Are you looking for a better way to compare more affordable insurance rates in Columbus, OH? Columbus drivers have options when trying to find the best price on Saturn Ion insurance. You can either waste hours contacting agents getting price quotes or leverage the internet to make rate comparisons. There are more efficient ways to buy insurance and you need to know the quickest way to compare rates for a new or used Saturn and get the cheapest rates from both online companies and Columbus agents.
It goes without saying that car insurance companies don't want you to compare rates. Drivers who shop around are highly likely to move their business because there is a good chance of finding a cheaper policy. A study discovered that drivers who compared rate quotes regularly saved an average of $70 a month as compared to drivers who never compared rates.
If finding the best price on Saturn Ion insurance is the reason for your visit, then having some knowledge of the best way to shop and compare coverage rates can make it easier to find better rates.
It's smart to compare rates before your next renewal since insurance prices go up and down regularly. Despite the fact that you may have had the lowest rates on Saturn Ion insurance in Columbus a couple years back you can probably find a lower rate today. You can find a lot of information about Ion insurance online but you can learn some great ideas on how to slash your insurance rates in Columbus.
Finding cheap Columbus car insurance quotes is actually easier than you may think. Consumers just need to invest a few minutes comparing free Columbus auto insurance quotes provided by online insurance companies.
The following companies offer quotes in Ohio. If multiple providers are shown, it's highly recommended you visit as many as you can to get a more complete price comparison.
Determine discounts on Columbus auto insurance
Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not know about. Most are applied when you get a quote, but a few need to be specially asked for prior to receiving the credit.
- Good Drivers - Drivers without accidents may receive a discount up to 45% than less cautious drivers.
- Buy New and Save - Insuring a vehicle that is new can save you some money because newer models are generally safer.
- Organization Discounts - Having an affiliation with a qualifying organization is a good way to get lower rates on your policy.
- Driver Training Discounts - Completing a driver safety course is a good idea and can lower rates and make you a better driver.
- Switch and Save Discount - A few auto insurance companies give discounts for signing up prior to the expiration date on your current Ion insurance policy. It can save you around 10%.
Remember that some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like comp or med pay. So even though it sounds like you can get free auto insurance, you're out of luck. Any qualifying discounts should help reduce your overall bill.
Auto insurance companies that may offer these discounts are:
Double check with every prospective company what discounts are available to you. Some discounts listed above may not apply in your area. If you would like to choose from a list of auto insurance companies that offer many of these discounts in Ohio, click here to view.
Neighborhood Columbus auto insurance agents
Certain consumers prefer to sit down and talk to an agent and that is a personal choice. Professional agents are trained risk managers and give you someone to call. The best thing about comparing insurance prices online is that you can obtain lower rates but still work with a licensed agent.
By using this short form, your information is transmitted to insurance agents in Columbus who will return price quotes and help you find cheaper coverage. You won't need to search for an agent as quotes are delivered to you directly. If you have a need to get a comparison quote from a specific insurance provider, you can always search and find their rate quote page and give them your coverage information.
Picking the best insurance company needs to be determined by more than just the premium amount. These are some valid questions you should ask.
- Are there any discounts for paying up front?
- How often do they review policy coverages?
- Do they have a Better Business Bureau rating in Columbus?
- Do they have 24-hour customer assistance?
- Is the agency involved in supporting local community causes?
- Do they specialize in personal lines coverage in Columbus?
- What are the financial ratings for the companies they represent?
- What insurance company do they write the most business with?
Below is a list of insurers in Columbus that can give you rate quotes for Saturn Ion insurance in Columbus.
- Putnam White Lewis Insurance Agency
4161 N High St - Columbus, OH 43214 - (614) 267-1269 - View Map
- Jack Gilkerson - State Farm Insurance Agent
4232 E Main St - Whitehall, OH 43213 - (614) 237-4256 - View Map
- Cornerstone Insurance Services
1505 Stonecreek Drive S, Suite 103 - Pickerington, OH 43147 - (614) 524-4248 - View Map
- American Family Insurance - Patricia Dews
114 Norton Rd - Columbus, OH 43228 - (614) 878-9720 - View Map
After receiving good answers to any questions you have and a low price estimate, you've probably found a company that can adequately provide insurance.
Why you need insurance for your Ion
Despite the high insurance cost for a Saturn Ion in Columbus, maintaining insurance may be required and benefits you in several ways.
- Just about all states have mandatory liability insurance requirements which means the state requires a specific level of liability insurance coverage in order to get the vehicle licensed. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your vehicle with a loan, most banks will make it a condition of the loan that you buy insurance to guarantee loan repayment. If you let the policy lapse, the lender may have to buy a policy to insure your Saturn for a lot more money and force you to pay much more than you were paying before.
- Insurance preserves both your assets and your car. It will also cover hospital and medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if you are sued as the result of your driving. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance definitely exceed the cost, especially with large liability claims. According to a recent study, the average American driver is overpaying over $855 a year so it's recommended you shop around at least once a year to ensure rates are competitive.
Specific coverage details
Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.
This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as a tree branch falling on your vehicle, hail damage, hitting a deer and a broken windshield. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.
Coverage for liability
Liability coverage protects you from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from claims by other people, and doesn't cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person's injuries, $50,000 for the entire accident, and property damage coverage for $25,000.
Liability coverage pays for claims like medical services, repair bills for other people's vehicles, funeral expenses and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford. Ohio requires drivers to carry at least 25/50/25 but drivers should carry more coverage.
The illustration below demonstrates why low liability limits may not be high enough to adequately cover claims.
Medical payments coverage and PIP
Med pay and PIP coverage kick in for short-term medical expenses like prosthetic devices, dental work, ambulance fees and funeral costs. They can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Collision coverage protection
This covers damage to your Ion resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as damaging your car on a curb, sideswiping another vehicle, driving through your garage door, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It's also possible to choose a higher deductible on your Ion to get cheaper collision coverage.
Uninsured/Underinsured Motorist coverage
This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Saturn Ion.
Due to the fact that many Ohio drivers only purchase the least amount of liability that is required (25/50/25 in Ohio), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Find cheaper rates by comparing often
Budget-conscious Saturn Ion insurance can be bought from both online companies as well as from independent agents in Columbus, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies don't offer online price quotes and these regional carriers only sell through independent insurance agents.
In this article, we presented many ways to lower your Saturn Ion insurance prices in Columbus. The most important thing to understand is the more rate comparisons you have, the better chance you'll have of finding cheaper Columbus auto insurance quotes. Consumers could even find that the best price on auto insurance is with a lesser-known regional company.
People change insurance companies for a number of reasons such as delays in paying claims, policy cancellation, extreme rates for teen drivers or even unfair underwriting practices. No matter why you want to switch, finding a new company is pretty simple and you could end up saving a buck or two.
Steps to finding more affordable Saturn Ion insurance in Columbus
Truthfully, the best way to get cheaper Saturn Ion insurance is to compare prices annually from providers in Columbus. Prices can be compared by following these guidelines.
- First, take a few minutes and learn about how companies set rates and the things you can change to prevent high rates. Many risk factors that result in higher prices such as accidents, careless driving, and an imperfect credit score can be remedied by making minor driving habit or lifestyle changes.
- Second, quote rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and Allstate, while agents who are independent can give you price quotes for a wide range of companies.
- Third, compare the quotes to your existing policy to see if a cheaper price is available in Columbus. If you can save money and change companies, ensure coverage does not lapse between policies.
The most important part of shopping around is to use the same liability limits and deductibles on every quote request and and to get prices from as many companies as feasibly possible. This enables a level playing field and maximum price selection.
- Electronic Stability Control FAQ (iihs.org)
- Who Has Cheap Columbus Auto Insurance Rates After a Speeding Ticket? (FAQ)
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- Who Has the Cheapest Car Insurance Rates for Drivers with a Bad Driving Record in Columbus? (FAQ)
- Who Has Cheap Car Insurance Quotes for Drivers Requiring a SR22 in Columbus? (FAQ)
- How Much is Auto Insurance for a Ford F-150 in Columbus? (FAQ)
- Auto Insurance 101 (About.com)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Crash Avoidance Technologies FAQ (iihs.org)
- Understanding your Policy (NAIC.org)