5 Tricks Shown to Save Money on Car Insurance Costs in Akron

If you are a novice to online car insurance shopping, it's easy to get confused because of the huge number of car insurance companies offering coverage in Akron.

It's important to shop coverage around periodically since rates are constantly changing. If you had the best price on your last policy you can probably find a better price now. Forget all the misinformation about car insurance because we're going to demonstrate the fastest and easiest way to get good coverage at a lower rate.

Save big with these 5 discounts

Companies that sell car insurance do not list every available discount very clearly, so we took the time to find both the well known as well as the least known ways to save on car insurance.

Braking Control Discount - Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
Passive Restraint Discount - Vehicles with factory air bags or motorized seat belts may earn rate discounts up to 30%.
Claim Free - Good drivers with no accidents can save substantially compared to accident-prone drivers.
Accident Forgiveness - Certain companies will forgive one accident before hitting you with a surcharge if you are claim-free prior to the accident.
Auto/Life Discount - Some companies give a discount if you purchase a life insurance policy as well.

It's important to note that many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. Just because you may think you can get free auto insurance, you're out of luck.

To choose providers with the best car insurance discounts in New York, click this link.

Car insurance ads bend the truth

Companies like Allstate and Progressive regularly use ads on TV and radio. All the ads make the same claim that you can save if you move your coverage to them. How does each company claim to save you money?

All companies have a certain "appetite" for the type of customer that makes them money. For example, a preferred risk might be between the ages of 40 and 55, a clean driving record, and has great credit. Any new insured who matches those parameters is entitled to the best price and most likely will save when switching.

Potential customers who fall outside these standards will be charged higher prices which leads to the customer not buying. The ads state "customers that switch" not "people who quote" save that much money. That is how insurance companies can advertise the savings. That is why you should get quotes from several different companies. It's just too difficult to predict which company will fit your personal profile best.

But I don't know anything about car insurance

When buying the right insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Everyone's needs are different.

These are some specific questions may help highlight if your situation will benefit from professional help.

Does my insurance cover a custom paint job?
Should I drop comprehensive coverage on older vehicles?
Will I be non-renewed for getting a DUI or other conviction?
I have good health insurance, so how much medical payments coverage do I need?
What happens if I owe more than my vehicle is worth?
Is my dog or cat covered if injured in an accident?

If it's difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form.

Additional detailed information can be found at the New York Department of Financial Services website. Visitors are able to find out industry alerts, read industry bulletins, and file complaints about an insurance agent or broker.

Affordable insurance is out there

When you buy insurance online, never buy poor coverage just to save money. Too many times, someone dropped physical damage coverage only to discover later that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

We just covered many ideas to save on car insurance. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may be surprised to find that the lowest priced car insurance comes from a small local company.

Insureds who switch companies do it for a number of reasons such as policy cancellation, poor customer service, high rates after DUI convictions or even an unsatisfactory settlement offer. Whatever your reason, choosing a new insurance company is easier than you think.