Best Ways to Save on Columbus Saturn Outlook Insurance

Sadly, the majority of drivers kept their coverage with the same insurance company for a minimum of four years, and almost half have never compared quotes from other companies. Many consumers in Columbus can cut their rates by roughly 55% a year just by comparing rates, but they mistakenly think it’s difficult to shop around.

To save the most money, the best way to quote cheaper Saturn Outlook insurance is to begin comparing prices regularly from insurers that sell auto insurance in Columbus.

First, read about how insurance works and the things you can control to keep rates down. Many rating factors that result in higher prices such as traffic tickets, fender benders, and a bad credit score can be eliminated by paying attention to minor details. Read the full article for more information to prevent rate hikes and get additional discounts.

Second, get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO or Farmers Insurance, while independent agencies can provide prices for a wide range of companies.

Third, compare the new rate quotes to your existing coverage to see if you can save by switching companies. If you can save some money, make sure there is no lapse in coverage.

One thing to point out is to make sure you enter the same coverage limits and deductibles on every price quote and and to get price quotes from as many companies as you can. Doing this ensures an accurate price comparison and the best price quote selection.

If you currently have car insurance, you will surely be able to find better prices using these tips. Buying the most affordable car insurance in Columbus is quite easy. But Ohio vehicle owners benefit from understanding how companies sell insurance online and use it to find better rates.

How do Insurance Providers Determine Saturn Outlook Insurance Costs?

Many things are part of the calculation when quoting car insurance. Some are pretty understandable such as traffic violations, but some are less apparent like where you live or your financial responsibility. Consumers need to have an understanding of some of the things that help determine your premiums. If you have some idea of what controls the rates you pay, this helps enable you to make changes that can earn you lower rates.

Raising coverage deductibles lowers prices – Physical damage coverage, also called comprehensive and collision insurance, is used to repair damage to your Saturn. Some instances where coverage would apply could be a broken side mirror, damage caused by hail, and burglary. Deductibles for physical damage define the amount you are willing to pay out-of-pocket before a claim is paid by your company. The larger the amount you choose to pay out-of-pocket, the lower your rates will be.

Better prices on safer cars – Vehicles that have high safety ratings are cheaper to insure. Vehicles engineered for safety reduce occupant injuries and fewer serious injuries translates into fewer and smaller insurance claims and thus lower rates.

More traffic equals higher costs – Choosing to live in a small town is a good thing when buying insurance. Fewer drivers and short commutes corresponds to lower accident rates. Urban drivers regularly have more auto accidents and higher rates of accident claims. The longer drive time can result in more accidents.

Lower rates with a multi-policy discount – Some insurance companies allow better rates to insureds that have more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be as much as ten percent or more Even if you already get this discount, you still need to get quotes from other companies to guarantee you are still saving the most. Drivers may still save more without the discount even if you have your coverage with different companies

When should you file insurance claims? – If you are a frequent claim filer, you should expect either a policy non-renewal or much higher rates. Car insurance companies in Ohio generally give discounts to policyholders who do not file claims often. Insurance coverage is intended for major claims that would cause financial hardship.

Teenagers vs. mature drivers – More experienced drivers are more responsible, statistically cause fewer accidents, and receive fewer citations. Beginning drivers are statistically shown to be more careless when behind the wheel so insurance rates are higher.

The following chart is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.

How many miles do you drive? – The higher the miles on your Saturn every year the more it will cost to insure it. A lot of companies calculate prices determined by how the vehicle is used. Vehicles used primarily for pleasure use receive better premium rates than those that get driven frequently. Improper usage on your Outlook is throwing money out the window. Double check that your declarations sheet is showing the correct usage.

Your credit history is important – Credit score can be an important factor in determining what you pay. So if your credit score is not that good, you could pay less to insure your Saturn Outlook if you clean up your credit. Insureds with high credit ratings tend to file fewer claims than drivers with worse credit.

When comparing car insurance rates, know that having more price comparisons helps locate the best offered rates. Some insurance companies are not set up to provide rate quotes online, so you should also compare prices from the smaller companies as well.

The companies shown below are our best choices to provide free rate quotes in Columbus, OH. If several companies are displayed, we recommend you visit several of them to find the cheapest auto insurance rates.

Rates and other information

The rate table shown next showcases detailed analysis of policy rates for Saturn Outlook models. Having knowledge of how car insurance prices are determined is important for you to make decisions on which coverage to buy.

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Table data does not factor in zip code location which can change prices noticeably.

Deductible comparison

One common question asked by Columbus drivers is where should you set your physical damage deductibles. The tables below lay out the difference in cost between low and high insurance deductibles. The first pricing table uses a $100 deductible for physical damage and the second price grid uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Prices do not factor in Columbus location which can decrease or increase coverage prices substantially.

Based on the above data, using a $100 deductible will cost in the ballpark of $27 more each month or $324 each year than opting for the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you have more than 33 months between claim filings, you would save more money by going with a higher deductible.

An important sidenote is that raising deductibles to get cheaper rates means you will have to pay more of your own money at claim time. You must have some extra savings in the event you have to pay more to get your vehicle repaired.

Car insurance cost for men versus women

The example below illustrates the difference between Saturn Outlook insurance premiums for male and female drivers. Data assumes no claims or violations, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.

Three reasons to not skimp on insurance

Despite the high cost, insurance may be required and benefits you in several ways.

First, the majority of states have mandatory liability insurance requirements which means you are required to buy a specific level of liability insurance coverage if you don’t want to risk a ticket. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your Outlook with a loan, more than likely the lender will have a requirement that you buy insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may insure your Saturn for a much higher rate and require you to fork over for the expensive policy.

Third, insurance preserves your car and your assets. It will also reimburse you for medical expenses incurred in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of buying enough insurance more than offset the price you pay, especially with large liability claims. As of last year, the average driver in Ohio is overpaying over $869 every year so you should quote your policy with other companies at least once a year to be sure current rates are still competitive.

Get cheaper Saturn Outlook insurance rates in Columbus

Some insurers do not list all available discounts very clearly, so the following is a list of both well-publicized and the harder-to-find credits that may apply to you. If you don’t get every credit you qualify for, you could be saving more on your car insurance.

• Homeowners Savings – Just being a homeowner can earn you a little savings since owning and maintaining a home is proof of financial responsibility.
• Air Bag Discount – Factory options such as air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control prevent accidents and will save you 10% or more on Outlook insurance in Columbus.
• Pay Upfront and Save – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid the installment charge.
• Military Discounts – Having an actively deployed family member could mean lower prices.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. Despite the appearance that it’s possible to get free car insurance, you aren’t that lucky.

The diagram below visualizes the comparison of Saturn Outlook annual premium costs with and without discounts being applied to the rates. The costs are based on a male driver, no violations or claims, Ohio state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, homeowner, claim-free, and multi-car discounts applied.

The best car insurance companies and a selection of discounts can be found below.

• American Family offers premium reductions for good driver, TimeAway discount, Steer into Savings, mySafetyValet, and air bags.
• Nationwide may offer discounts for multi-policy, business or organization, Farm Bureau membership, anti-theft, accident-free, and defensive driving.
• MetLife includes discounts for defensive driver, multi-policy, accident-free, good driver, claim-free, and good student.
• 21st Century policyholders can earn discounts including automatic seat belts, student driver, air bags, early bird, and driver training.
• Farmers Insurance may include discounts for youthful driver, business and professional, mature driver, switch companies, and pay in full.
• Allstate offers discounts including premier discount, passive restraint, teenSMART discount, multi-policy, and 55 and retired.

Before you buy a policy, ask every prospective company which discounts they offer. Depending on the company, some discounts may not apply to policies in your state.

Buying car insurance from Columbus insurance agencies

Some consumers still prefer to sit down and talk to an agent and that is a personal choice. The biggest benefit of comparing insurance prices online is you can get lower rates and still choose a local agent. Supporting local insurance agents is definitely important in Columbus.

Upon completion of this short form, your coverage information is submitted to companies in Columbus who want to provide quotes for your business. You won’t need to contact any insurance agencies as quotes are delivered straight to your inbox. You can most likely find cheaper rates and work with a local agent. If for some reason you want to get a rate quote from a particular provider, you just need to go to their quote page and give them your coverage information.

Shown below is a short list of insurance companies in Columbus that may be able to provide price quote information for Saturn Outlook insurance in Columbus.

• Pfeifer-Ornstein Insurance Agency
  3291 E Main St – Columbus, OH 43213 – (614) 235-7050 – View Map
• W.E. Davis Insurance Agency
  29 Frederick St – Columbus, OH 43206 – (614) 443-0533 – View Map
• Amie Kim – State Farm Insurance Agent
  1246 N High St – Columbus, OH 43201 – (614) 586-8701 – View Map
• Andrea Taylor – State Farm Insurance Agent
  5540 N Hamilton Rd – Columbus, OH 43230 – (614) 855-9421 – View Map

More insurance agents

Selecting a insurance company should include more criteria than just the bottom line cost. You should also get answers to these questions.

• Is coverage determined by price?
• If your car is totaled, how to they determine the replacement cost?
• Are claims handled at the agent’s location?
• Do the agents have professional certifications like CPCU or CIC?
• Is the agent and/or agency licensed to do business in Ohio?
• How much experience to they have in personal lines coverages?
• Do they have a Better Business Bureau rating in Columbus?

Persistence will pay off

Drivers leave their current company for any number of reasons including questionable increases in premium, delays in paying claims, high rates after DUI convictions and unfair underwriting practices. It doesn’t matter what your reason, switching companies is easier than you think.

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where an insured dropped comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. The aim is to buy the best coverage you can find for the lowest price.

Cheaper Saturn Outlook insurance in Columbus is attainable both online and also from your neighborhood Columbus agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies don’t offer the ability to get quotes online and most of the time these regional insurance providers only sell coverage through local independent agents.

To read more, feel free to visit the resources below:

• Parking Tips to Reduce Door Dings (State Farm)
• Who Has Affordable Car Insurance Quotes for Police Officers in Columbus? (FAQ)
• What Car Insurance is Cheapest for Drivers Over Age 60 in Columbus? (FAQ)
• Who Has Cheap Auto Insurance for a Nissan Altima in Columbus? (FAQ)
• Who Has Affordable Auto Insurance for a Kia Optima in Columbus? (FAQ)
• Who Has Cheap Auto Insurance Rates for Ride Shares in Columbus? (FAQ)
• Who Has Affordable Columbus Auto Insurance for a GMC Sierra? (FAQ)
• Who Has Cheap Auto Insurance Rates for 18 Year Olds in Columbus? (FAQ)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• Understanding Car Crashes Video (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Institute)
• Protect Yourself Against Auto Theft (Insurance Information Institute)