How to Find Cheaper Auto Insurance in Ohio?

Answer 1

Buying auto insurance in Ohio can be an expensive proposition. Although car insurance in Ohio typically costs less than in other states, it can still represent a substantial portion of your monthly expenses. Fortunately, you can use several methods to reduce your auto insurance costs in Ohio.

Shop for Car Insurance Rates Online

One simple method for finding cheaper car insurance in Ohio is to shop for quotes online. Several major Ohio auto insurance companies offer websites where you can obtain quotes within just a few minutes. Gathering quotes from insurance company websites allows you to quickly compare rates, which can help you find the cheapest coverage available.

You can also take advantage of websites that pull quotes from several auto insurance companies at once. These sites can save you time, because you will simply need to enter your information once, and the site will use this information to gather quotes from multiple insurance companies. You will then receive side-by-side rates, so you can determine which Ohio insurance company can offer you the best deal.

Search for Policy Discounts

Policy discounts can help you save a substantial amount on your car insurance premiums. Whether you shop online or work with a local agent, discounts offered by your Ohio auto insurance company can allow you to reduce your costs without sacrificing the coverages you need.

A multi-car discount is among the most common discounts offered by Ohio auto insurance companies. You can save up to 10 percent off your car insurance premiums if you place two or more vehicles on the same insurance policy. Insurance companies in Ohio will also typically discount your premiums if you insure another asset, such as your motorcycle or home, with the same company

In Ohio, you can also save money on your car insurance premiums if you are over the age of 55, and you take an elective driver education course. The discount offered by Ohio insurance companies can reduce your insurance costs by 5 percent or more, depending on your company's guidelines. This discount will not apply if a court or the Ohio Bureau of Motor Vehicles required you to take the course because of an accident or license suspension.

By searching for discounts and shopping for car insurance from multiple carriers, you can easily minimize your costs, leaving more room in your budget for other expenses.