Paying too much for Ohio insurance is of past, availing discounts and hence reducing your premium rates is present. There are various discounts offered by every insurance company in order to attract customers. Discount is an amount that is deducted from the usual price. To promote their products insurance companies have come up with wide variety of policies for both auto and home. Any policy you choose depending on your requirements and needs will have discount in them. You will have to make a smart decision to save your money.
Auto Insurance Discounts
Safety Devices – Installing safety devices such as passive restraints, seat belts, air bags, anti-lock brake etc, not only protects you but will also avail huge discounts. More the safety measures taken, lesser will be the damages which reduces your premium rates.
Defensive Driving Course – It is applicable for certain age group people which varies from company to company. On completion of this course, you are eligible for discounts.
Good Student Discount – If your teen obtains ‘B’ grade, or studies under scholarship, obtains grade point of 3 or higher at school and performs well, he is considered for a discount. It implies for persons below 25 age generally, however may differ based on the companies.
Good Driver Discount – If there are no traffic violations or tickets, you are labeled as a good and responsible driver. Maintaining good credit score, abiding to traffic rules, giving way to any pedestrians and bicyclers, all accounts for a good driver.
Multiple Lines – Insuring multiple cars from one insurance company, being with the company for long time and obtaining insurance for home, car and health under one roof will avail discounts on your policy.
Home Insurance Discounts
Protective Devices – Installing devices such as burglar alarms, dead bolt locks, smoke or fire alarms, sprinklers etc will curb crime such as theft and also shields you from accidental disasters.
New Home/ Renovated Home – Buying a home which is made of certain kind of roofing materials used in construction which can withstand high storms and lightning adds on to discounts. Renovating house as per Ohio state’s building code, updating roofing, plumbing etc, reduces your premium rates.
Credit Score – Maintaining good credit history and not making any false claims avails discounts.
Stay on good terms with your insurance company. Stay connected to your insurance through your agents. Keep an eye on the market for your money to be valued.