When you are searching for Ohio cheap car insurance, you may feel discouraged at times. There are a few “tricks of the trade,” so to speak, when it comes to finding and purchasing cheap car insurance in Ohio, and one of them is cutting back on your Ohio car insurance endorsements.

Car insurance endorsements include coverage for emergencies such as needing your car towed, needing immediate on-site work done to your car (on-site labor), and rental car insurance. While these endorsements definitely come in handy when you actually need them, most drivers do not actually need them that often, if ever. Some people live their entire lives without ever renting a car, or needing on-site labor for the cars they own. And, if your car breaks down and needs to be towed, is the bill going to amount to the money you have spent on a towing endorsement to your car insurance over the past few years? It will most likely cost much less than what you have paid out.

If you are interested in getting Ohio cheap car insurance by cutting back on your Ohio car insurance endorsements, but are still a bit unsure about letting go of the endorsements, consider joining an auto club. AAA, for example, provides such services as vehicle towing. When you are a member of a vehicle club, you have many more benefits than just replacing your Ohio car insurance endorsements; therefore, if you are interested in and need these member benefits, the money you pay in auto club membership fees balances out.

If you are not interested in joining an auto club, but still want the protection your Ohio car insurance policy endorsements offer, consider opening a savings account for such emergencies as towing and on-site labor. This is more economical since you only put money into the account once – until you use it – and the money accumulates interest until you withdrawal it.