Everyone knows that auto insurance companies don’t want you quoting rates from other companies. Consumers who get price quotes annually are inclined to move their business because of the high probability of getting low-cost coverage. A recent survey revealed that consumers who did price comparisons regularly saved $850 each year compared to people who never compared prices.
If finding budget-friendly auto insurance is your goal, then understanding the best ways to shop for car insurance can help make the process easier and more efficient.
It takes a few minutes, but the best way to get affordable car insurance rates is to regularly compare quotes from insurance carriers who provide car insurance in Toledo.
- First, get a basic knowledge of how insurance companies determine prices and the measures you can take to prevent expensive coverage. Many policy risk factors that increase rates like your driving record and poor credit rating can be eliminated by improving your driving habits or financial responsibility. This article provides instructions to help prevent expensive coverage and find available discounts that you may qualify for.
- Second, compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive or State Farm, while independent agencies can give you price quotes from multiple companies. Compare rates
- Third, compare the new rates to the price on your current policy to see if cheaper Five Hundred coverage is available. If you find a lower rate and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
One key aspect when comparing rates is to try to use identical limits and deductibles on each quote and and to get rates from as many companies as possible. This ensures an accurate price comparison and a complete price analysis.
This article’s intent is to help you learn how car insurance quotes work and some tips to save money. If you have insurance now, you will surely be able to reduce premiums using the concepts you’re about to learn. Shoppers just need to use the best way to shop over the internet.
The auto insurance companies shown below offer price quotes in Toledo, OH. To locate the cheapest car insurance in OH, we suggest you visit several of them to get a more complete price comparison.
Local Toledo insurance agents
Many drivers would rather sit down with an agent and we recommend doing that Licensed agents will help you protect your assets and will help you if you have claims. A nice benefit of price shopping on the web is that you can obtain lower rates and still have an agent to talk to. And buying from local insurance agents is definitely important in Toledo.
To make it easy to find an agent, after completing this short form, your information is transmitted to insurance agents in Toledo that provide free Toledo car insurance quotes for your insurance coverage. It’s much easier because you don’t need to do any legwork because quoted prices will be sent straight to your inbox. If you wish to quote rates for a specific company, you just need to find their quoting web page and submit a quote form there.
Independent or Exclusive: It’s your choice
If you are searching for a reliable insurance agency, it’s helpful to know the different types of agents from which to choose. Insurance policy providers can be categorized as either independent agents or exclusive agents. Both sell insurance policies, but it is a good idea to know the differences because it may have an impact on which agent you choose.
Independent Agents (or Brokers)
Independent insurance agents are appointed with more than one company and that gives them the ability to insure with a variety of different insurance companies and get you the best rates possible. If your premiums go up, your agent can just switch to a different company and you don’t have to switch agencies. When comparison shopping, we recommend you compare quotes from several independent insurance agents so that you can do a thorough price comparison.
Shown below are independent insurance agents in Toledo who can help you get free rate quotes.
Regan Insurance
3034 W Sylvania Ave – Toledo, OH 43613 – (419) 292-0001 – View Map
Burnor Insurance Agency Inc.
316 N Michigan St – Toledo, OH 43604 – (419) 243-6108 – View Map
Mann Insurance
3005 Douglas Rd – Toledo, OH 43606 – (419) 255-0040 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents can only provide one company’s prices like Farmers Insurance or State Farm. They generally cannot shop your coverage around so they are skilled at selling on more than just price. They are well schooled on the products they sell and that allows them to sell at a higher price point.
Shown below are Toledo exclusive insurance agencies that are able to give rate quotes.
Allstate Insurance: Jennifer Soda Zielinski
2509 W Sylvania Ave Ste 12 – Toledo, OH 43613 – (419) 472-9690 – View Map
Dave Bly – State Farm Insurance Agent
2416 W Laskey Rd – Toledo, OH 43613 – (419) 474-9672 – View Map
Allstate Insurance: J. Mark Atkins
5330 Heatherdowns Blvd Ste 203 – Toledo, OH 43614 – (419) 867-8887 – View Map
Selecting an auto insurance agent is decision based upon more than just a cheap price quote. These are valid questions to ask:
- Do they write coverage based solely on cost?
- Will you get a loaner vehicle if you car is being repaired?
- Are there any discounts for paying up front?
- If you are a high risk driver, do they have special markets for your coverage?
- Which insurance companies are they affiliated with?
- Do they regularly work with personal auto policies in Toledo?
Ohio auto insurance company ratings
Buying coverage from the top auto insurance provider is hard considering how many choices you have in Ohio. The ranking information displayed below may help you decide which providers to look at purchasing from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies