Buy the Cheapest Akron Auto Insurance

Paying for high-priced auto insurance can take a big chunk out of your savings account and put a big crunch on your finances. Comparison shopping is a smart way to lower your monthly bill. Insurance companies such as GEICO and Progressive increase brand awareness with TV and radio ads and it is difficult to sift through the bull and do the work needed to find the best deal.

Where Can I Get Cheap Akron Auto Insurance?

Getting better auto insurance pricing can be quick and easy. Just take the time to get quotes online with multiple companies. It is quite easy and can be accomplished in several different ways.

The first (and easiest) way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This method keeps you from doing repetitive form submissions for each company you want a rate for. A single, simple form gets you price quotes from multiple companies.

A more difficult way to compare rate quotes requires visiting each individual company website and fill out their own quote form. For example, let's assume you want comparison quotes from , and . To get each rate you have to visit each site and enter your policy data, which is why the first method is quicker.

To view a list of companies in Akron, click here.

It doesn't matter which method you choose, just make sure you use exactly the same quote information for each comparison quote. If you have mixed coverages then you won't be able to determine the lowest rate in Akron.

Akron Rates are Influenced by These Factors

It's important that you understand some of the elements that help determine the price you pay for auto insurance. Having a good understanding of what impacts premium levels enables informed choices that could result in much lower annual insurance costs.

Higher deductibles cost less - Your deductibles represent how much money you are required to spend before your auto insurance pays a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a building, damage caused by hail, and burglary. The more expense you are required to pay out-of-pocket, the bigger discount you will receive.
Where do you drive? - Driving more miles in a year's time the more you'll pay to insure your vehicle. Most insurance companies apply a rate based upon how you use the vehicle. Vehicles used primarily for pleasure use get more affordable rates than those used for commuting. Double check that your auto insurance coverage is rated on the proper vehicle usage.
Occupation reflects on rates - Did you know that where you work can have an impact on rates? Occupations such as real estate brokers, architects and dentists tend to have the highest average rates due to high stress levels and long work days. Other professions such as pilots, historians and performers receive lower rates.
Older drivers save more - More mature drivers are more responsible, statistically cause fewer accidents and receive fewer citations. Teen drivers are known to be more careless when driving and because of this, their auto insurance rates are much higher.
Careful drivers pay lower rates - Only having one ticket can boost insurance rates by as much as thirty percent. Careful drivers get better rates compared to drivers with tickets. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state DMV in order to keep their license.

Take advantage of discounts

Companies that sell car insurance do not advertise all available discounts in a way that's easy to find, so the following is a list of both well-publicized and also the lesser-known auto insurance savings. If you aren't receiving every discount you deserve, you're just leaving money on the table.

Multiple Vehicles - Insuring multiple vehicles on one policy can get a discount on all vehicles.
Discount for Life Insurance - Companies who offer life insurance give better rates if you take out life insurance.
Own a Home - Owning a home in Akron may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
No Accidents - Drivers who don't have accidents pay less when compared with frequent claim filers.
Discount for New Cars - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
Early Switch Discount - Some companies give discounts for switching policies before your current policy expires. It's a savings of about 10%.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, you won't be that lucky.

For a list of insurers who offer auto insurance discounts in Akron, follow this link.

How to know if you need help

When it comes to choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different and a cookie cutter policy won't apply. These are some specific questions can help discover whether your personal situation might need professional guidance.

Am I covered when driving on a suspended license?
What are the financial responsibility laws in Indiana?
Does my policy cover my teen driver if they drive my company car?
Will I be non-renewed for getting a DUI or other conviction?
Can I afford to buy a different vehicle if my vehicle is totaled?
Should I file a claim if it's only slightly more than my deductible?
Why am I required to buy high-risk coverage?

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies. It's fast, free and you can get the answers you need.

Even more information can be read at the Indiana Department of Insurance website. Indiana consumers can report car insurance fraud, file complaints about an insurance agent or broker, read industry bulletins, and read enforcement actions against agents and companies.

In the end, you save

Cheaper auto insurance can be sourced online and also from your neighborhood Akron agents, so compare prices from both in order to have the best price selection to choose from. Some companies may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

While you're price shopping online, it's a bad idea to reduce needed coverages to save money. In too many instances, consumers will sacrifice collision coverage and discovered at claim time they didn't purchase enough coverage. Your focus should be to find the BEST coverage at the best price while not skimping on critical coverages.