The easiest way to find discount Dodge Neon insurance in Toledo is to begin comparing prices regularly from different companies that sell auto insurance in Ohio.
- Step 1: Read about what is in your policy and the modifications you can make to keep rates low. Many rating factors that drive up the price like traffic tickets, fender benders, and a substandard credit score can be controlled by being financially responsible and driving safely.
- Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO and Allstate, while independent agencies can provide price quotes for a wide range of companies.
- Step 3: Compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you find better rates and decide to switch, verify that coverage does not lapse between policies.
- Step 4: Provide adequate notice to your current company of your intent to cancel your existing policy and submit a down payment and signed policy application for your new coverage. Once received, put the proof of insurance paperwork along with the vehicle’s registration papers.
One thing to point out is that you’ll want to make sure you compare similar coverage information on every quote and and to get price estimates from as many companies as possible. This provides an apples-to-apples comparison and a thorough selection of prices.
It’s an obvious assumption that auto insurance companies don’t want you shop around. Consumers who get price comparisons are highly likely to buy a new policy because the odds are good of finding coverage at a cheaper rate. A recent insurance study discovered that drivers who made a habit of comparing rates saved about $3,400 over four years as compared to drivers who never shopped around for lower prices.
If finding budget-friendly car insurance is the reason you’re reading this, then knowing how to get price quotes and compare cheaper coverage can make the process less intimidating.
Companies offering cheap Dodge Neon rate quotes in Toledo, OH
The car insurance companies shown below are ready to provide price comparisons in Ohio. If your goal is to find cheap auto insurance in Toledo, it’s highly recommended you visit as many as you can to get a more complete price comparison.
Score discounts on Toledo insurance
Car insurance is not cheap, but you can get discounts that could drop your premiums quite a bit. Many of these discounts will be applied automatically at quote time, but once in a while a discount must be manually applied before you will receive the discount.
- Anti-lock Brakes – Vehicles with ABS braking systems or traction control can stop better under adverse conditions so companies give up to a 10% discount.
- Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save a little on the premium charged for medical payments and/or PIP.
- Organization Discounts – Affiliation with qualifying clubs or civic groups could trigger savings when shopping for insurance.
- Discount for Multiple Policies – When you have multiple policies with the same company you may save up to 20% off your total Neon insurance premium.
- Driver Training Discounts – Taking a defensive driving course is a good idea and can lower rates and easily recoup the cost of the course.
- New Car Discount – Buying a new car instead of a used Neon can be considerably cheaper compared to insuring an older model.
- Low Miles Discount – Low annual miles may enable drivers to earn slightly better premium rates than normal.
One last thing about discounts, many deductions do not apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. Just because it seems like adding up those discounts means a free policy, insurance companies aren’t that generous.
If you would like to see a list of providers that have a full spectrum of discounts in Ohio, click here.
Special considerations
Always keep in mind that when comparing proper insurance coverage for your personal vehicles, there really isn’t a perfect coverage plan. Everyone’s needs are different and your auto insurance should be unique as well. For instance, these questions might point out if you could use an agent’s help.
- Is my ex-spouse still covered by my policy?
- Will my Dodge Neon be repaired with OEM or aftermarket parts?
- Is my camper covered for physical damage?
- Are my custom wheels covered?
- How high should deductibles be on a Dodge Neon?
- Do I need replacement cost coverage on my Dodge Neon?
- Do I need added coverage for expensive stereo equipment?
- How can I find cheaper teen driver insurance?
- When should I buy a commercial auto policy?
- Am I covered when driving a rental car?
If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.
When should I contact an agent?
Many drivers just want to sit down and talk to an agent. Experienced insurance agents can help you choose the best coverages and help you file claims. The best thing about getting free rate quotes online is that drivers can save money and get better rates but still work with a licensed agent. And buying from local agencies is important especially in Toledo.
By using this short form, your insurance coverage information gets sent to companies in Toledo that can give you free Toledo auto insurance quotes for your auto insurance coverage. You don’t have to contact any agents since rate quotes are delivered immediately to you. If for some reason you want to compare prices from a particular provider, you just need to navigate to their website and submit a quote form there.
Toledo auto insurance agents come in two flavors
If you are searching for a local Toledo insurance agency, it helps to know the two different agency structures and how they operate. Auto insurance policy providers are classified as either independent or exclusive. Both can do a good job, but it is a good idea to know the subtle differences because it may have an impact on your agent selection.
Independent Auto Insurance Agencies
Independent agents do not sell for just one brand and that is an advantage because they can write policies with an assortment of companies and possibly get better coverage at lower prices. If they quote lower rates, your agent can just switch to a different company without you having to go to a different agency.
When searching for an agent, you will want to include price quotes from at a minimum one independent agency so that you can do a thorough price comparison.
Below is a list of independent agencies in Toledo that may be able to give pricing information.
Bob Burns Insurance and Financial
2229 W Laskey Rd – Toledo, OH 43613 – (419) 471-1950 – View Map
Brooks Insurance
1120 Madison Ave – Toledo, OH 43604 – (419) 243-1191 – View Map
Nationwide Insurance: Smithers Ins Agency LLC
229 Superior St – Rossford, OH 43460 – (419) 666-5703 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents work for only one company like American Family, State Farm, and AAA. These agents are unable to provide rate quotes from other companies so keep that in mind. They receive extensive training on their products and sales techniques which helps them sell on service rather than price.
Below are exclusive agencies in Toledo that are able to give rate quotes.
Jan Scotland – State Farm Insurance Agent
4806 Dorr St – Toledo, OH 43615 – (419) 536-4200 – View Map
Farmers Insurance – Patrick Hogan
3700 N Holland Sylvania Rd – Toledo, OH 43615 – (419) 517-5579 – View Map
Matt Vierk – State Farm Insurance Agent
5650 W Central Ave, Ste AA – Toledo, OH 43615 – (419) 843-4001 – View Map
Picking an insurance agent is decision based upon more than just the bottom line cost. Before buying a policy in Toledo, get answers to these questions.
- Does the quote include credit and driving reports?
- Can glass repairs be made at your home?
- Is there a Errors and Omissions policy in force?
- When do they do policy reviews?
- How long has their agency been in business in Toledo?
A conclusion for your car insurance search
You just read many ideas to find cheap Dodge Neon insurance in Toledo. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the biggest savings come from the least-expected company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.
Discount Dodge Neon insurance in Toledo is definitely available both online and from local agencies, so get free Toledo auto insurance quotes from both of them to have the best selection. There are still a few companies who don’t offer online rate quotes and many times these regional carriers work with independent insurance agents.
Other resources
- Things to Know Before you Cancel Insurance (Allstate)
- Who Has Cheap Car Insurance Rates for Good Drivers in Toledo? (FAQ)
- Who Has Affordable Toledo Car Insurance for Drivers with Accidents? (FAQ)
- Neck Injury FAQ (iihs.org)
- Side Impact Crash Tests (iihs.org)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Comprehensive Coverage (Liberty Mutual)