Astonishing but true according to a recent study, almost 70% of insureds in Ohio have purchased from the same company for at least four years, and nearly the majority have never even shopped around for cheap coverage. With the average car insurance premium being $1,847, U.S. drivers could save themselves up to $860 a year just by getting comparison quotes, but they underestimate the amount of savings they would get if they switch to a new company.
The preferred way to find the cheapest price for Chevy Spark EV insurance is to compare prices once a year from insurers who provide car insurance in Toledo. You can shop around by following these steps.
First, get a basic knowledge of what is in your policy and the modifications you can make to keep rates low. Many things that result in higher rates such as speeding tickets, careless driving and a bad credit rating can be eliminated by making minor changes to your lifestyle.
Second, compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or State Farm, while agents who are independent can provide price quotes from many different companies.
Third, compare the price quotes to your current policy and determine if there is any savings. If you find a lower rate and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, give notification to your current company to cancel your current policy and submit the signed application along with the required initial payment for your new policy. As soon as you receive it, keep the new proof of insurance paperwork along with the vehicle’s registration papers.
One piece of advice is to make sure you’re comparing the same liability limits and deductibles on each quote and and to get quotes from as many car insurance companies as possible. Doing this helps ensure a fair rate comparison and a better comparison of the market.
How to compare Toledo Chevy Spark EV insurance quotes
The auto insurance companies shown below can provide free rate quotes in Toledo, OH. If you want cheap car insurance in Toledo, OH, we suggest you visit as many as you can to get the most competitive price.
Auto insurance agents can give valuable advice
Some people would prefer to sit down with an agent and we recommend doing that Experienced insurance agents are trained to spot inefficiencies and help submit paperwork. One of the benefits of comparing rate quotes online is you may find cheap insurance rates and still buy from a local agent.
For easy comparison, once you complete this quick form, the coverage information gets sent to companies in Toledo that give free quotes for your coverage. You never need to contact any insurance agencies because quoted prices will be sent directly to your email. If you have a need to get a comparison quote from one company in particular, you can always navigate to their website and give them your coverage information.
Finding the right insurance company should depend on more than just the bottom line cost. Ask your prospective agent these questions:
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- How long has the business existed?
- Do the agents have professional certifications like CPCU or CIC?
- Are they able to influence company decisions when a claim is filed?
- Are they involved in claim handling?
The type of car insurance agent you choose is important
If you prefer to buy insurance from a local Toledo insurance agent, it’s important to understand the different types of agencies and how they operate. Agents can be described as either exclusive or independent. Either type can write policy coverage, but it is important to understand how they differ since it can affect the type of agent you choose.
Exclusive Insurance Agencies
Agents of this type are contracted to one company such as Farmers Insurance and State Farm. Exclusive agents are unable to provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agents are usually well trained on what they offer and that can be a competitive advantage. Consumers frequently purchase coverage from exclusives primarily because of the brand legacy and solid financial strength.
Listed below is a short list of exclusive insurance agencies in Toledo that are able to give price quote information.
- Allstate Insurance: Chuck Bodette
1310 W Sylvania Ave – Toledo, OH 43612 – (419) 478-2400 – View Map
- Marty Vugrinac – State Farm Insurance Agent
1022 S Reynolds Rd – Toledo, OH 43615 – (419) 389-0533 – View Map
- Becki Ballenger – State Farm Insurance Agent
3520 Heatherdowns Blvd #5 – Toledo, OH 43614 – (419) 385-5775 – View Map
Independent Agencies or Brokers
Agents that elect to be independent can quote rates with many companies and that enables them to quote your coverage through many different insurance companies enabling the ability to shop coverage around. If you want to switch companies, your agent can switch companies which makes it simple for you. If you are comparing rate quotes, you will want to compare prices from a few independent agents in order to compare the most rates. Many write coverage with lesser-known insurance companies which may provide better rates.
Listed below is a list of independent insurance agencies in Toledo who can help you get rate quotes.
- Kranz PJ Insurance Agency
4349 Talmadge Rd – Toledo, OH 43623 – (419) 473-2416 – View Map
- Bob Burns Insurance and Financial
2229 W Laskey Rd – Toledo, OH 43613 – (419) 471-1950 – View Map
- Nationwide Insurance – AOK Agency
5207 Secor Rd – Toledo, OH 43623 – (419) 472-9405 – View Map