Why pay more for Ohio auto insurance than necessary? If you can get the coverage that you need (an the state of Ohio requires by law) then why not find the cheapest Ohio auto insurance policy that you can? In fact, there are a number of different strategies that you can employ in order to find a cheap Ohio car insurance rate.
According to the U. S. Census Bureau, Ohio holds an estimated population of 11,478,006 as of 2006 and has only grown 1.1% in the last year. This means that rates in the state of Ohio have not seen a big change yet because the number of cars in the roads has not varied much.
Deciding to take the minimum coverage issued by OH state law is not the only solution to cheap automobile insurance in the state of Ohio. People can choose to drop the comprehensive and collision coverage options if their car is just too old, which will allow them the save a lot of money in the long run.
The deductible is another key thing in determining the rate that a person will pay for car insurance yearly. If a person has a low deductible that means that they are covered much more in case of an accident, hence the price of their policy will be higher. For this reason if you increase your deductible even a slight bit, you will be able to save some money. Higher out of pocket costs mean lower monthly premiums, which result in lower yearly rates.
Other ways to save on automobile insurance for Ohio residents include bundling services under one company. This means that if you have health insurance, automobile insurance or homeowners insurance you will be able to get a cheap deal. Simply just find out which insurance carrier offers all three, or even two of them and bundle them together under one policy. A person can save up to 10% off the price if they do this, not to mention that nowadays; most insurance companies offer a variety of services.
An Ohio resident can also opt to asking for discounts for driving less. If you drive less frequently you might be able to get a low mileage discount which can save you some money in addition to the things said above. Not only this, but you can also get a discount for being a safe driver just like in many other states. Believe it or not, insurance companies do not check your driving record that often, which means that you won't be able to get a good driver discount unless you tell them about it.
It usually takes three years of clean driving with no accidents, DUI's or citations for an insurance company to even consider giving a clean driving record discount. However, the benefits of this discount are plenty because you can save HUGE amounts of money after a company considers you a defensive driver. It is also worth mentioning that there are many other discounts such as good student and vehicle safety features, but they vary from company to company. Because of this reason it is important to do some research with every single company out there before you decide on which auto insurance company is right for you.
Even though Ohio is not a big state and automobile insurance rates are not that expensive compared to other states of the nation, a person can still save quite a bit of money when looking to buy an Ohio car insurance policy . So go out and shop around amongst multiple insurance companies because it is certainly possible to find cheap auto insurance !