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Українською   |   Client Login   |   Call: 440-866-0155

May 11, 2011

Save money on car insurance

Save money on car insurance
Save money on car insurance

When it comes to car insurance, a little research + the right questions = money in your pocket.

Rates can differ widely from company to company, so it pays to shop around. Independent insurance agents represent more than one insurance company, so they can compare multiple carriers and policies to find the one that’s right for you.

If you’re a do-it-yourselfer, Web sites like www.progressive.com will help you compare its rates with other insurers.

In addition to shopping around, there are other steps you can take to lower your insurance rate.

Is your policy up to date? If you’ve moved, gotten married or if it has been at least three years since your last driving violation, check with your insurance company. You may be eligible for a rate reduction.

Is your coverage right for your car? Owners of older or inexpensive cars should consider dropping comprehensive and collision coverages. That can often save hundreds of dollars each year.

Know before you buy. Before you buy a new car, research what it will cost to insure. Generally, smaller cars with lower horsepower are less expensive to insure.

Do you carry excess coverage? Many auto insurers give you the option to add rental coverage to your policy, which pays for a rental car while your vehicle is being repaired. While conditions and costs vary from company to company, it may be unnecessary if you can find other transportation.

Raise your deductible. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your Collision and Comprehensive costs by 15 to 20 percent. Your agent can show you how raising your deductible can lower your premium.

Do you qualify for any discounts? Ask your independent agent whether any of the carriers he or she represents offer reduced premiums for certain car features like anti-lock brakes.

Are your policies all “bundled” with the same company? This may not be best for you. Your independent agent is uniquely qualified to quote your policies with “best-in-class” carriers that offer specialized coverages and services. “Unbundling” your policies might save you a bundle!

To learn more, talk to your local independent insurance agent. You can find an agent at www.progressiveagent.com.

 

Filed Under: Auto Insurance Basics Tagged With: car insurance

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"I’ve been a client for almost 10 years. Nick and Ivan are extremely knowledgeable, courteous, and honest. I always get clear information about my insurance options. I would never go anywhere else!"

~ Oleh M. • Hinckley, OH

2016-03-31T20:17:11+00:00

~ Oleh M. • Hinckley, OH

"I’ve been a client for almost 10 years. Nick and Ivan are extremely knowledgeable, courteous, and honest. I always get clear information about my insurance options. I would never go anywhere else!"
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~ Taras H. • North Ridgeville, OH

2016-03-31T19:57:26+00:00

~ Taras H. • North Ridgeville, OH

“We’ve had Insurance Cleveland for over two years. They are fast, reliable and their customer service is top notch.”
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“The people are always pleasant and the service is always prompt. We have our home, auto and life insurance policies with them and would never think of going elsewhere!”

~ Marta J. • Lakewood, OH

2016-04-20T13:21:46+00:00

~ Marta J. • Lakewood, OH

“The people are always pleasant and the service is always prompt. We have our home, auto and life insurance policies with them and would never think of going elsewhere!”
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“I’ve been an Insurance Cleveland client for over 5 years. It is not always about the price, it’s about the relationship and the great service I receive.”

~ Dan P. • Middleburg Heights, OH

2016-04-20T13:22:17+00:00

~ Dan P. • Middleburg Heights, OH

“I’ve been an Insurance Cleveland client for over 5 years. It is not always about the price, it’s about the relationship and the great service I receive.”
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“We’ve been with Insurance Cleveland Agency for over 4 years. I remember having my first accident 3 years ago. The agency representative helped us throughout the whole claim process. We recommend Insurance Cleveland Agency to all our friends.”

~ Vasiliy & Helen D. • Parma, OH

2016-04-20T13:22:44+00:00

~ Vasiliy & Helen D. • Parma, OH

“We’ve been with Insurance Cleveland Agency for over 4 years. I remember having my first accident 3 years ago. The agency representative helped us throughout the whole claim process. We recommend Insurance Cleveland Agency to all our friends.”
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“Ivan keeps an eye out for better home insurance coverage when premiums are on the rise without making me do the work. It’s nice to know someone is paying attention and looking out for my best interest.”

~ Monica H. • Ravenna, OH

2016-04-20T13:24:39+00:00

~ Monica H. • Ravenna, OH

“Ivan keeps an eye out for better home insurance coverage when premiums are on the rise without making me do the work. It’s nice to know someone is paying attention and looking out for my best interest.”
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“The staff at Insurance Cleveland was very helpful when we had to make a claim. And it was handled in a very timely manner. Everyone was kind, courteous and very professional.”

~ Karolina G. • Cleveland, OH

2016-04-20T13:25:12+00:00

~ Karolina G. • Cleveland, OH

“The staff at Insurance Cleveland was very helpful when we had to make a claim. And it was handled in a very timely manner. Everyone was kind, courteous and very professional.”
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“I have found Insurance Cleveland to have the best rates and the absolute best customer service of any insurance agency I’ve ever dealt with!”

~ Mark C. • Brunswick, OH

2016-04-20T13:25:36+00:00

~ Mark C. • Brunswick, OH

“I have found Insurance Cleveland to have the best rates and the absolute best customer service of any insurance agency I’ve ever dealt with!”
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“They are professional, informative and they saved us money! We had wanted to review our insurance coverage for some time, but doing it seemed time consuming and complicated. Insurance Cleveland Agency reviewed our policy and recommended we increase some of our coverage. The best part is they were able to lower our premiums.”

~ Russ & Mary K. • Broadview Heights, OH

2016-04-20T13:26:06+00:00

~ Russ & Mary K. • Broadview Heights, OH

“They are professional, informative and they saved us money! We had wanted to review our insurance coverage for some time, but doing it seemed time consuming and complicated. Insurance Cleveland Agency reviewed our policy and recommended we increase some of our coverage. The best part is they were able to lower our premiums.”
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