Oyer Insurance Agency LLC - 2708 Cleveland Road - Wooster, Ohio 44691 - Phone # (330) 345-5819 - Email: TrentO@OyerInsuranceAgency.com

Coverage cannot be bound over the phone, email, voice message or website submission. 

  • Facebook Basic Black
  • Black Twitter Icon
  • Black Instagram Icon
  • Black YouTube Icon
  • Black Yelp Icon

Here Is How You Can Save Money on Ohio Car Insurance

June 11, 2018

 

Car insurance is typically one of the most expensive purchases that consumers often hesitate to do. However, avoiding this can put you in major financial risk. Fortunately, Ohio has the cheapest periodic premiums for vehicle insurance in the U.S. with a present average of about $926/year. Though we have the most favorable rates in the country, you can still save even more on car insurance in Ohio. Here are some tips.  

 

1.Shop Around

Shopping around in terms of customer service and financial stability in addition to prices, is the smartest way to save more on your car insurance. When a list of potential insurance providers is in your hand, make sure to do the prior necessary research about their financial status, as the economy plays a critical role on rates. Thus, it is a wise decision to work with an independent insurance specialist, who can assist you and evaluate your options from many other companies. They will also understand the differences between the companies and their insurance contracts.

 

2.Set the Right Deductible

A deductible is an amount to be paid towards damages before an insurance coverage plan starts. Thus, you can reduce the premiums significantly by setting a higher deductible as you are paying more out of pocket when you have a claim.

 

3.Choose a Car That Suits You the Best

The kind of car you choose influences the premiums. Sports cars, luxury vehicles and four-wheel autos typically have higher annual rates. In addition, your vehicle’s safety and its vulnerability to theft also have significant impact on price. Insurance companies look at national statistics of claims for specific vehicles to determine their likelihood for loss. So, if younger people who typically have more losses drive a specific vehicle that will influence it price.  Thus, choose a car that suits your situation the best from purchase price to final premium payment.

 

4.Maintain a Good Insurance Score

Research has revealed that individuals having a stable credit report usually file less claims. Consequently, an insurance company is more willing to offer lower premium rates to drivers with good credit stability. Insurance scores are based off credit reports but look at financial stability not lendability.

 

5.Leverage Discounts Applicable

Car insurance agencies offer a wide variety of modest yet worthwhile discounts which are actually based on a reduced-risk lifestyle such as follows:

  • Students with good grades

  • New or older drivers having taken a defensive-driving course

  • Snapshot discounts

  • Automatic payment discounts

  • Paperless discounts

  • Anti-theft and safety equipment

     

     

     

     

     

     

     

     

     

6.Purchase an Old Car

All things held constant, the newer the vehicle the more it will cost regardless of the vehicle or company.

Please reload

Featured Posts

Why Renters Insurance?

November 17, 2017

1/1
Please reload

Recent Posts

February 22, 2019

February 14, 2019