How long has it been since you sat down and looked for low-cost auto insurance rates in Mayfield Heights, OH? I can't think of a single person who likes buying auto insurance, especially when they know they could find better rates elsewhere.

Unfortunately, a large majority of drivers have purchased from the same company for more than four years, and 38% of drivers have never even compared rates from other companies. Many consumers in the United States can save roughly 47% each year just by getting comparison quotes, but most tend to underestimate the amount of savings they would get if they switched to a more affordable policy. Vehicle owners have multiple car insurance companies to purchase coverage from, and although it's nice to have multiple companies, more options can take longer to compare rates and find the lowest cost auto insurance.

Finding a better price on insurance is an easy way to save money. Consumers just need to invest a little time getting comparison quotes provided by online insurance companies.

Getting free price quotes online is quite simple, and it replaces the need to drive around to insurance agencies in your area. The internet eliminates the middleman unless you prefer the personal advice that only a licensed agent can provide. Some companies do allow you to get prices online but buy from a local Mayfield Heights insurance agent.

The providers in the list below provide quotes in Ohio. If several companies are displayed, we suggest you compare several of them to get a more complete price comparison.

Insurance Cost Estimates for Popular Vehicles in Mayfield Heights
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Regular Cab $922 $461 $77
Dodge Ram Crew Cab SLT 2WD $838 $419 $70
Ford Escape XLT 4WD $518 $259 $43
Ford F-150 STX Regular Cab 4WD $592 $296 $49
Ford Focus SE 2-Dr Coupe $860 $430 $72
Ford Fusion S 4-Dr Sedan $588 $294 $49
Honda Accord LX-S 2-Dr Coupe $858 $429 $72
Honda CR-V EX-L 4WD $508 $254 $42
Honda Civic EX 4-Dr Sedan $900 $450 $75
Jeep Grand Cherokee Limited 2WD $578 $289 $48
Mazda 3 S Sport 4-Dr Hatchback $648 $324 $54
Nissan Altima 2.5 S 2-Dr Coupe $1,030 $515 $86
Nissan Rogue SL AWD $672 $336 $56
Toyota Camry SE $920 $460 $77
Toyota Corolla XLE $828 $414 $69
Toyota Prius $506 $253 $42
Volkswagen Jetta S 4-Dr Sedan $776 $388 $65
Get Your Own Custom Quote Go

Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in specific zip code location which can raise or lower premium rates greatly.

Car insurance premiums based on gender

The chart below illustrates the comparison of insurance costs for male and female drivers in Mayfield Heights. The prices are based on no claims, a clean driving record, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no discounts are factored in on a Hyundai Sonata SE.

Hyundai Sonata rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Best reasons to buy car insurance in Ohio

Despite the high cost of buying insurance in Mayfield Heights, buying car insurance may not be optional for several reasons.

The benefits of insuring your vehicle definitely exceed the price paid, especially when you need to use it. Unknowingly, the average driver is currently overpaying as much as $850 per year so we recommend shopping around each time the policy renews to save money.

Do drivers who switch really save?

Ohio drivers get pounded daily by advertisements that promise big savings for switching from companies such as Progressive, Allstate and GEICO. They all seem to try to convey promises about saving some big amount just by switching your insurance coverage to their company.

It sounds good, but how can they all charge lower premium rates? It's all in how they say it.

Most companies have specific criteria for the type of customer they prefer to insure. A good example of a preferred risk could possibly be over the age of 40, has never had a claim, and insures a new vehicle. Any customer who fits those characteristics will get a cheap rate quote in Mayfield Heights and have a good chance to save when switching.

People who don't qualify for these stringent criteria will probably have to pay a higher rate and this results in the customer not buying. If you listen closely, the ads state "people that switch" but not "all drivers who get quotes" save that much when switching. That is how insurance companies can make claims like that. This really illustrates why drivers must compare quotes as often as possible. It's impossible to know which company will provide you with the cheapest insurance in Mayfield Heights.

Cheap Mayfield Heights car insurance quotes with discounts

Car insurance companies don't list the complete list of policy discounts in a way that's easy to find, so the list below gives a summary of both the well known as well as the least known discounts that may be available.Save money with discounts

One last thing about discounts, most discount credits are not given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, you aren't that lucky.

For a list of companies with discount car insurance rates in Mayfield Heights, click here to view.

You may need help from an insurance agency

Some people would prefer to get professional advice from a licensed agent and doing that can be a smart decision Licensed agents can help determine the best coverages and help file insurance claims. The biggest benefit of getting free rate quotes online is you may find the best rates and still choose a local agent.

Insurance agents in Mayfield HeightsAfter filling out this form (opens in new window), your insurance coverage information gets sent to agents in your area who will give competitive quotes for your business. You don't have to find an agent because prices are sent to you directly. If you wish to compare prices from a specific auto insurance provider, you would need to visit that company's website to submit a rate quote request.

Deciding on an insurance company should depend on more than just the bottom line cost. These are valid questions to ask:

Not all car insurance agents are the same

If you're trying to find a reliable insurance agent, you must know there are a couple types of agencies that you can choose from. Auto insurance agencies can be described as either independent (non-exclusive) or exclusive. Either one can do a good job, but it's worth learning the difference in how they write coverage since it can impact the selection process.

Exclusive Insurance Agencies

Exclusive agencies write business for a single company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agencies receive extensive training on their company's products and that can be a competitive advantage.

Independent Auto Insurance Agencies

Agents of this type are not limited to a single company and that allows them to write policies through lots of different companies and potentially find a lower price. If you want to switch companies, your policy is moved internally and you don't have to find a new agent. If you need cheaper auto insurance rates, you should always get rate quotes from independent agents so that you can do a thorough price comparison.

Auto insurance claim statistics

What are the chances of a claim? The following claim statistics outline the good and bad models for likelihood of having to file claims.

Liability Coverage Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Subaru Outback Chrysler 200
Acura MDX Chevrolet Sonic
Audi A6 Kia Optima
Mercedes-Benz SL Class Mitsubishi Lancer
Subaru Forester Hyndai Accent
Volvo XC60 Chevrolet Impala

Statistics from IIHS.org for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Comprehensive Coverage Claims
Lowest Overall Losses Highest Overall Losses
Ford F-350 Maserati Quattroporte
Smart ForTwo Mercedes-Benz S Class
Nissan Leaf BMW M6
Volvo V60 Bentley Continental GTC
Chevy Spark BMW M6
Nissan Xterra Maserati Granturismo

Statistics from IIHS.org for 2013-2015 Model Years

Auto Insurance Medical Payment Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Ford F-250 SuperCrew Chevrolet Spark
Land Rover Range Rover Sport Hyundai Accent
Chevrolet Silverado 3500 Dodge Charger
Tesla Model S Mitsubishi Mirage
Ford Expedition Chrysler 200
Chevrolet Silverado 2500 Nissan Sentra

Statistics from IIHS.org for 2013-2015 Model Years

Collision Insurance Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Ford F-250 SuperCab Ferrari 458
Ford F-150 SuperCrew Maserati Ghibli
Jeep Wrangler Nissan GT-R
Mini Cooper Audi RS7
Nissan Xterra Bently Continental GT
Smart ForTwo Maserati Granturismo

Statistics from IIHS.org for 2013-2015 Model Years

Compare rates regularly to save

As you prepare to switch companies, it's a bad idea to sacrifice coverage to reduce premiums. In many instances, someone dropped physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find at the lowest possible cost.

We just covered a lot of ways to shop for insurance online. It's most important to understand that the more providers you compare, the better chance you'll have of finding the cheapest Mayfield Heights car insurance quotes. You may even find the best price on insurance is with the smaller companies. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

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