Find Cheap Columbus Auto Insurance

Shopping for cheap Columbus auto insurance online can be difficult for beginners to comparison shopping online. With so many companies competing online, how can consumers have a chance to compare every one to find the cheapest available price?

auto insurance in Columbus

Are you getting all your discounts?

Car insurance companies don't necessarily list all available discounts very clearly, so we researched both well-publicized as well as the least known discounts you could be receiving.

  • Safety Course Discount - Completing a course in driver safety could cut 5% off your bill depending on where you live.
  • Life Insurance Discount - Some companies give a discount if you purchase a life insurance policy as well.
  • Multiple Cars - Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
  • Accident Waiver - Certain companies will forgive one accident without raising rates so long as you haven't had any claims prior to the accident.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.

Keep in mind that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears you can get free auto insurance, it just doesn't work that way.

For a list of insurers with discount auto insurance rates in Montana, click here.

Where Can I Get Cheap Columbus Auto Insurance?

Most major insurance companies like 21st Century, Allstate and State Farm allow you to get prices online. This process is quite easy as you just enter your required coverages as detailed in the form. Once entered, the company's rating system will obtain credit information and your driving record and generates a price.

This simplifies rate comparisons, but the time required to go to a lot of sites and type in the same information is monotonous and tiresome. But it's very important to compare as many rates as possible in order to find the best price on auto insurance.

A more efficient way to compare auto insurance pricing uses one form that gets prices from a lot of companies. The form is fast, eliminates form submissions, and makes rate comparisons much simpler. Immediately after you send the form, it is rated with multiple companies and you can pick any one of the quotes that you receive. If a lower price is quoted, you can simply submit the application and buy the policy. The entire process just takes a couple of minutes and may save quite a bit of money.

To find out if lower rates are available, click here to open in new window and input your coverage information. If you have coverage now, it's recommended you replicate your coverages as shown on your current policy. This helps ensure you will have a fair comparison based on identical coverages.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage for your personal vehicles, there isn't really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether you could use an agent's help.

  • Should I rate my vehicle as pleasure use or commute?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered when driving on a suspended license?
  • Does my policy cover me when driving someone else's vehicle?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need PIP (personal injury protection) coverage in Montana?
  • Should I file a claim if it's only slightly more than my deductible?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Final considerations

Affordable auto insurance is attainable online and also from your neighborhood Columbus agents, and you need to comparison shop both to have the best selection. Some auto insurance companies may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, make sure you don't sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice liability coverage limits only to discover later that the savings was not a smart move. The proper strategy is to buy enough coverage at a price you can afford while not skimping on critical coverages.

You just read a lot of techniques to get a better price on auto insurance. It's most important to understand that the more companies you get rates for, the better likelihood of reducing your rate. You may even find the lowest premiums are with the least-expected company.