Smart shoppers know that car insurance companies don’t want their customers to go rate shopping. Insureds who shop for lower prices are highly likely to buy a new policy because they stand a good chance of finding lower prices. A recent survey found that drivers who compared prices once a year saved $860 a year compared to policyholders who never compared rates.
If finding discount rates on insurance in Columbus is the reason you’re here, then having a grasp of how to find and compare auto insurance can save time and make the process easier.
If you want to save the most money, the best way to find low-cost auto insurance rates in Columbus is to annually compare prices from insurance carriers in Ohio.
- First, spend a few minutes and learn about what coverages are included in your policy and the measures you can take to prevent high rates. Many factors that cause rate increases such as at-fault accidents, speeding tickets, and an unacceptable credit rating can be controlled by making minor driving habit or lifestyle changes.
- Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or Allstate, while independent agencies can give you price quotes from many different companies. View prices
- Third, compare the new quotes to your current policy to see if you can save by switching companies. If you find better rates and make a switch, make sure coverage does not lapse between policies.
An important note is that you’ll want to compare identical limits and deductibles on every quote request and and to get rate quotes from as many auto insurance providers as possible. Doing this helps ensure a level playing field and a complete price analysis.
This information will teach you how to get online quotes and some money-saving tips. If you have insurance now, you will most likely be able to get lower rates using the following tips. Although Ohio consumers must comprehend the methods companies use to price online insurance because rates are impacted by many factors.
Companies offering Lexus NX 300h insurance in Ohio
The companies shown below have been selected to offer comparison quotes in Columbus, OH. If several companies are displayed, it’s highly recommended you visit several of them to get a more complete price comparison.
How You Can Control Lexus NX 300h Insurance Prices
An important part of buying insurance is that you know the rating factors that go into determining your policy premiums. If you have some idea of what determines premiums, this allows you to make educated decisions that will entitle you to lower premium levels. Many different elements are part of the calculation when quoting car insurance. Some factors are common sense like a motor vehicle report, although some other factors are not quite as obvious such as your credit history or how safe your car is.
- What are good liability insurance limits? – Your insurance policy’s liability coverage will provide protection when a court rules you are at fault for personal injury or accident damage. Liability insurance provides for a legal defense which can cost a lot. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
- Rates increase with driving citations – Drivers with clean records receive lower rates compared to drivers with tickets. Even a single chargeable violation could increase your next policy renewal by as much as thirty percent. Drivers who have gotten careless violations like DUI or willful reckless driving are required to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
- Car features that lower prices – Driving a car that has an advanced theft prevention system can get you a discount on your insurance. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder auto theft.
- With age comes responsibility – Older, more experienced drivers have been proven to be more responsible, cause fewer claims and accidents, and are safer drivers. Beginning drivers tend to be easily distracted when behind the wheel therefore insurance rates are much higher.
- Good credit equals lower prices – Having a bad credit score is a big factor in your rate calculation. Insureds with good credit tend to file fewer claims and have better driving records than drivers who have poor credit. If your credit is not that good, you could be paying less to insure your Lexus NX 300h by repairing your credit.
Insurance policy discounts you can’t miss
Not many people think insurance is cheap, but there are discounts available to help offset the cost. Larger premium reductions will be automatically applied at quote time, but a few must be asked for before you will receive the discount.
- Distant College Student Discount – Youth drivers who are enrolled in higher education away from home and do not have access to a covered vehicle may be able to be covered for less.
- Multi-policy Discount – If you insure your home and vehicles and insure them with the same company you will save over 10 percent off each policy depending on the company.
- Driving Data Discount – Insureds that choose to allow driving data submission to study vehicle usage by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they show good driving skills.
- Paperless Signup – Some larger companies provide a small discount get Columbus car insurance on your computer.
- Early Signing – Some insurance companies provide a discount for signing up prior to your current NX 300h insurance policy expiration. It can save you around 10%.
- Theft Deterrent – Cars and trucks that have factory anti-theft systems are stolen less frequently and can earn a small discount on your policy.
Don’t be surprised that some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like medical payments or collision. So even though it sounds like all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will definitely lower your premiums.
A few of the larger companies and a summarized list of policyholder discounts are outlined below.
- State Farm has savings for student away at school, Drive Safe & Save, driver’s education, multiple policy, anti-theft, and safe vehicle.
- Farmers Insurance discounts include switch companies, good student, early shopping, pay in full, and electronic funds transfer.
- GEICO policyholders can earn discounts including multi-vehicle, good student, seat belt use, military active duty, five-year accident-free, emergency military deployment, and defensive driver.
- American Family offers premium reductions for defensive driver, Steer into Savings, good student, air bags, TimeAway discount, and multi-vehicle.
- Nationwide may include discounts for accident-free, family plan, anti-theft, business or organization, Farm Bureau membership, and multi-policy.
- Progressive has discounts for multi-policy, homeowner, online quote discount, continuous coverage, online signing, and good student.
Check with each insurance company to give you their best rates. Some discounts may not be offered everywhere. If you would like to view companies with the best Lexus NX 300h insurance discounts in Columbus, click here.
Buying from car insurance agents
Certain consumers just prefer to sit down and talk to an agent and doing that can be a smart decision One of the great benefits of getting online price quotes is the fact that drivers can get better rates and still have an agent to talk to. Supporting neighborhood agents is definitely important in Columbus.
To help locate an agent, after submitting this simple form, the coverage information is submitted to agents in your area that give free quotes for your auto insurance coverage. You won’t even need to search for any insurance agencies because prices are sent directly to you. You can find lower rates and a licensed agent to work with. In the event you want to compare prices from a specific company, you can always visit that company’s website and submit a quote form there.
Listed below is a short list of auto insurance companies in Columbus that are able to give comparison quotes for Lexus NX 300h insurance in Columbus.
- Wolfe Insurance Group
630 E Broad St – Columbus, OH 43215 – (614) 418-5710 – View Map - Bill Alsnauer – State Farm Insurance Agent
2500 W Dublin Granville Rd – Columbus, OH 43235 – (614) 764-2411 – View Map - American Family Insurance – Felix Quachey
1100 Morse Rd Ste 301 – Columbus, OH 43229 – (614) 536-0237 – View Map - Ted Briggs – State Farm Insurance Agent
2545 Petzinger Rd L – Columbus, OH 43209 – (614) 235-6667 – View Map
Choosing the best company shouldn’t rely on just a cheap quote. You should also get answers to these questions.
- Do the companies they represent have a solid financial rating?
- Are there any discounts that you might be missing?
- Will the agent or a CSR service your policy?
- Can you get a list of referrals?
- Which insurance companies are they affiliated with?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
More effort can pay off
Lower-priced Lexus NX 300h insurance in Columbus is attainable both online as well as from independent agents in Columbus, and you need to comparison shop both in order to have the best chance of saving money. Some companies do not provide online price quotes and these small, regional companies only sell through independent insurance agencies.
As you go through the steps to switch your coverage, do not skimp on critical coverages to save a buck or two. In many instances, an insured cut liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.
Consumers who switch companies do it for any number of reasons including lack of trust in their agent, high rates after DUI convictions, policy non-renewal or extreme rates for teen drivers. No matter why you want to switch, finding a new car insurance company is easier than you think.
For more information, feel free to visit these articles:
- Think You’re a Safe Driver? (State Farm)
- Who Has Cheap Auto Insurance Rates for Ride Shares in Columbus? (FAQ)
- Who Has Cheap Columbus Auto Insurance Quotes for College Graduates? (FAQ)
- Liability Insurance Coverage (Nationwide)
- What is Full Coverage? (Allstate)
- Child Safety FAQ (iihs.org)
- Frontal Crash Tests (iihs.org)