Would you like to stop overpaying and find low-cost insurance rates in Cleveland, OH? Cleveland shoppers have a choice when shopping for affordable Pontiac Grand Am insurance. They can either waste time struggling with agents to compare prices or use the internet to find the lowest rates. There is a right way and a wrong way to shop for insurance and we’ll show you the best way to quote coverages for your Pontiac and find the best price possible.
It’s well known that car insurance companies don’t want their policyholders to compare prices. Consumers who shop around for cheaper prices are very likely to buy a new policy because of the good chance of finding a lower-cost company. A study showed that drivers who regularly compared price quotes saved approximately $72 a month as compared to drivers who don’t make a habit of comparing rates.
If finding low prices for Pontiac Grand Am insurance in Cleveland is why you’re reading this, then learning about how to quote and compare auto insurance can help you succeed in saving money.
Smart consumers take time to price shop coverage every six months since insurance rates change frequently. Even if you got the best rate on Pontiac Grand Am insurance in Cleveland at your last renewal you may be paying too much now. Forget anything you know (or think you know) about insurance because you’re about to learn one of the quickest ways to buy cheaper Pontiac Grand Am insurance in Cleveland.
If you have coverage now or need new coverage, use these tips to buy cheaper car insurance while maintaining coverages. Our goal in writing this article familiarize you with how car insurance quotes work and how to save the most money. Shoppers just have to learn the tricks to get comparison rates from multiple carriers.
Best companies for Pontiac Grand Am insurance
The following companies are our best choices to provide comparison quotes in Cleveland, OH. To locate the cheapest auto insurance in OH, we suggest you compare several of them to find the cheapest car insurance rates.
Six discounts for cheap insurance rates
Insurance is expensive, but there could be available discounts that can help lower your rates. Some of these discounts will be visible when you quote, but lesser-known reductions have to be asked about before you will receive the discount.
- Discount for Swiching Early – A few insurance companies give discounts for switching to them before your current Grand Am insurance policy expires. You could save around 10% when you buy Cleveland auto insurance online.
- Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and that can save you a little bit as well.
- Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off depending on your insurance provider.
- Safety Restraint Discount – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% on medical payment and PIP coverage.
- Defensive Driver – Passing a safe driver course may get you a small discount depending on where you live.
- No Charge for an Accident – Not necessarily a discount, but some companies like Progressive, State Farm and GEICO allow you one accident without getting socked with a rate hike so long as you are claim-free for a specific time period.
As a sidenote, some credits don’t apply to the entire policy premium. Most cut individual premiums such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, nobody gets a free ride. But any discount will lower the amount you pay for coverage.
Popular insurance companies and some of the discounts can be read below.
- State Farm may have discounts that include Drive Safe & Save, good driver, anti-theft, multiple policy, defensive driving training, Steer Clear safe driver discount, and passive restraint.
- Farmers Insurance has discounts for good student, electronic funds transfer, youthful driver, mature driver, switch companies, homeowner, and bundle discounts.
- Progressive has savings for online signing, continuous coverage, online quote discount, multi-vehicle, multi-policy, homeowner, and good student.
- GEICO offers discounts including multi-vehicle, emergency military deployment, driver training, daytime running lights, defensive driver, air bags, and anti-lock brakes.
- Auto-Owners Insurance may include discounts for safe vehicle, student away at school, anti-lock brakes, safe driver, air bags, company car, and anti-theft.
- The Hartford policyholders can earn discounts including air bag, anti-theft, driver training, bundle, defensive driver, vehicle fuel type, and good student.
- Farm Bureau offers premium reductions for safe driver, multi-vehicle, multi-policy, renewal discount, 55 and retired, good student, and youthful driver.
- USAA offers discounts for family discount, military installation, annual mileage, safe driver, multi-policy, and driver training.
When getting a coverage quote, ask every prospective company which discounts they offer. All car insurance discounts may not apply to policies in Cleveland. To locate insurers with the best Pontiac Grand Am insurance discounts in Ohio, click here.
Shop online but buy locally
Many drivers just want to get advice from a local agent and that is just fine! Professional agents will help you protect your assets and help file insurance claims. One of the benefits of comparing insurance prices online is that drivers can save money and get the best rates and still choose a local agent.
To make it easy to find an agent, after completing this quick form, your insurance data is emailed to companies in Cleveland who want to provide quotes for your insurance coverage. You won’t need to contact an agency since rate quotes are delivered immediately to you. If for some reason you want to quote rates from one company in particular, you would need to go to their quote page and fill out their quote form.
Choosing the best insurer needs to be determined by more than just a cheap price quote. Ask your prospective agent these questions:
- Do they prorate repair cost based on vehicle mileage?
- Does the agent help file claims?
- What is their Better Business Bureau rating?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Will the agent or a CSR service your policy?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Are claim adjusters local or do you have to take your car somewhere else?
- Is auto insurance their primary focus in Cleveland?
Cleveland auto insurance agents are either independent or exclusive
If you are wanting to find an insurance agent, it can be helpful to understand the types of insurance agents and how they can quote your rates. Agents may be either independent agents or exclusive agents depending on their employer. Both types of agents can sell affordable insurance policies, but it is important to understand the subtle differences because it can impact your selection of an agent.
Exclusive Agencies
These agents can only provide one company’s prices and examples are Allstate, State Farm and Farm Bureau. These agents are unable to provide other company’s prices so they have no alternatives for high prices. Exclusive agencies are highly trained on their company’s products which aids in selling service over price. Some people will only use the same agent mainly due to the prominence of the brand and solid financial strength.
Shown below are Cleveland exclusive insurance agents that are able to give price quote information.
- Justin Ragor – State Farm Insurance Agent
3878 Rocky River Dr Ste 4 – Cleveland, OH 44111 – (216) 251-5300 – View Map - Dick McClement – State Farm Insurance Agent
2700 W 25th St – Cleveland, OH 44113 – (216) 621-3723 – View Map - State Farm: Stan Harris
12429 Cedar Road, Suite 26 – Cleveland Heights, OH 44106 – (216) 791-1006 – View Map
Independent Insurance Agencies
These agents often have many company appointments so they can insure your vehicles through many companies and possibly get better coverage at lower prices. If they quote lower rates, the agent simply finds a different carrier and the insured can keep the same agent.
When comparing insurance prices, you will definitely want to include multiple independent agents in order to have the best price comparison. Most also have access to smaller mutual companies who may have lower rates.
Listed below is a short list of independent insurance agents in Cleveland who can help you get comparison quotes.
- Cisar Insurance
30405 Solon Rd – Cleveland, OH 44139 – (440) 248-4450 – View Map - AandA Action Auto Insurance Agency
3421 Prospect Ave E – Cleveland, OH 44115 – (216) 361-8988 – View Map - Rivera’s Insurance Agency, Inc.
3778 Pearl Rd – Cleveland, OH 44109 – (216) 661-7923 – View Map
Once you have received acceptable answers to all your questions as well as a affordable price, you may have just found an insurance agent that can properly insure your vehicles.
Cleveland car insurance company ratings
Choosing the top insurance provider is hard considering how many different companies insure vehicles in Cleveland. The company information below can help you analyze which coverage providers you want to consider buying 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 |
| Mercury Insurance | 87 | 95 | 87 | 84% | A+ | 88.3 |
| 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
There’s no such thing as the perfect insurance policy
Keep in mind that when it comes to choosing the best insurance coverage, there really isn’t a best way to insure your cars. Everyone’s needs are different so this has to be addressed.
For instance, these questions might point out if your situation could use an agent’s help.
- Who sells insurance for high-risk drivers?
- Does rental coverage apply when I am renting a car?
- Is my business laptop covered if it gets stolen from my vehicle?
- What is GAP insurance?
- Why do I have to buy liability insurance?
- Where can I get insurance after a DUI in Ohio?
- Is a fancy paint job covered?
If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.
Learn about auto insurance coverages for a Pontiac Grand Am
Having a good grasp of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages available from auto insurance companies.
Uninsured/Underinsured Motorist coverage
This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people have only the minimum liability required by law (Ohio limits are 25/50/25), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Collision protection
This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for things such as hitting a parking meter, sideswiping another vehicle, crashing into a ditch, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible on your Grand Am to save money on collision insurance.
Liability car insurance
This provides protection from injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability coverage protects against claims such as court costs, pain and suffering, emergency aid, legal defense fees and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford. Ohio requires drivers to carry at least 25/50/25 but you should think about purchasing more coverage.
The next chart demonstrates why buying low liability limits may not be enough coverage.
Comprehensive coverage
Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as damage from getting keyed, hitting a deer, damage from flooding and vandalism. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance pay for expenses for things like dental work, ambulance fees, nursing services and chiropractic care. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage
More comparisons equals cheaper rates
When trying to cut insurance costs, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where an insured cut comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at the lowest possible cost.
Discount Pontiac Grand Am insurance in Cleveland can be bought both online and from local insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance providers may not offer internet price quotes and usually these smaller companies provide coverage only through independent insurance agencies.
How to find affordable Pontiac Grand Am insurance in Cleveland
If saving the most money is your goal, then the best way to get the cheapest Pontiac Grand Am insurance is to compare quotes once a year from different companies who sell insurance in Cleveland.
- Read about how your policy works and the changes you can make to lower rates. Many rating criteria that cause rate increases such as accidents, traffic violations, and an unacceptable credit score can be controlled by making minor driving habit or lifestyle changes.
- Compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like Progressive or Farmers Insurance, while agents who are independent can provide price quotes from many different companies.
- Compare the new rates to the premium of your current policy to see if you can save by switching companies. If you find a lower rate, verify that coverage does not lapse between policies.
The most important part of shopping around is that you’ll want to compare the same coverage limits and deductibles on every price quote and and to analyze as many auto insurance providers as possible. This enables a fair rate comparison and the best price selection.
Additional detailed information can be read in the articles below:
- Think You’re a Safe Driver? (State Farm)
- Who Has the Cheapest Auto Insurance for a Honda CR-V in Cleveland? (FAQ)
- Tread Depth and Tire Safety (State Farm)
- What is Full Coverage? (Allstate)
- Vehicle Insurance in the U.S. (Wikipedia)