How long has it been since the last time you looked for low-cost insurance rates in Fremont, OH? Wish you could get a refund on an overpriced insurance policy? Trust us when we tell you many consumers are feeling buyer's remorse and feel like there's no way out.

Amazingly, most insurance customers have stayed with the same insurance company for more than four years, and nearly the majority have never quoted insurance rates at all. The average driver in Fremont can save hundreds of dollars each year, but they assume it's a waste of time to find lower-cost insurance by shopping around.

Many insurers vie for your business, so it can be very hard to choose a insurance company to get the lowest cost out there.

Get cheaper rates on car insurance with these eight discounts

Properly insuring your vehicles can get expensive, but you may be missing some discounts that can help lower your rates. Certain credits will be shown when you purchase, but a few must be inquired about prior to receiving the credit. If you do not double check each discount available, you could be getting lower rates.Save money with discounts

A quick disclaimer, some of the credits will not apply to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. If you do the math and it seems like it's possible to get free car insurance, company stockholders wouldn't be very happy. Any qualifying discounts will help lower your overall bill.

A few of the larger companies and a partial list of their discounts can be read below.

When getting free Fremont auto insurance quotes, it's a good idea to all the companies how many discounts you can get. Some credits may not be offered in every state.

The quickest method to compare insurance rates from multiple companies is to understand most of the bigger providers provide online access to give free rates quotes. To start a quote, the only thing you need to do is provide information like if a SR-22 is needed, how much school you completed, deductibles desired, and what your job is. Your details is submitted instantly to multiple different insurance companies and you will receive price estimates instantly to find the best rate.

To start a rate quote now, click here then complete the form.

The companies in the list below are our best choices to provide price quotes in Ohio. If several companies are displayed, we suggest you visit as many as you can in order to get a fair rate comparison.

Insurance Costs for Popular Vehicles in Fremont
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $594 $297 $50
Chevrolet Silverado LS Crew Cab 4WD $632 $316 $53
Dodge Ram Crew Cab Sport 2WD $892 $446 $74
Ford Escape XLS 4WD $678 $339 $57
Ford Explorer Eddie Bauer 2WD $672 $336 $56
Ford F-150 Lariat Crew Cab Platinum 2WD $850 $425 $71
Ford Focus SE 4-Dr Sedan $688 $344 $57
Honda Accord LX 4-Dr Sedan $822 $411 $69
Honda CR-V LX 2WD $646 $323 $54
Honda Civic EX-L 2-Dr Coupe $996 $498 $83
Hyundai Elantra GLS 4-Dr Sedan $760 $380 $63
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $656 $328 $55
Kia Optima SX $698 $349 $58
Mazda 3 I Touring 4-Dr Sedan $856 $428 $71
Nissan Altima 2.5 4-Dr Sedan $604 $302 $50
Toyota Camry LE $538 $269 $45
Toyota Corolla XLE $730 $365 $61
Get Your Own Custom Quote Go

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price information does not factor in your specific Fremont location which can influence coverage rates greatly.

Reckless driving habits raise auto insurance rates

The chart below shows how speeding tickets and at-fault accidents can drive up GMC Acadia insurance prices for each age group. The price estimates are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.

GMC Acadia rates are for example purposes only. To get rates for your specific vehicle, click here.

Choosing vehicle insurance is an important decision

Even though it can be expensive, insurance may be required and benefits you in several ways.

First, just about all states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability if you don't want to risk a ticket. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your vehicle has a loan, it's most likely the lender will stipulate that you have physical damage coverage to protect their interest in the vehicle. If you let the policy lapse, the bank may insure your vehicle for a lot more money and force you to pay for the much more expensive policy.

Third, insurance protects both your vehicle and your assets. It will also provide coverage for hospital and medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also covers legal expenses if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of insuring your vehicle greatly outweigh the cost, especially for larger claims. But the average driver in Ohio overpays as much as $750 every year so compare quotes from several companies at least once a year to be sure current rates are still competitive.

Parts of your insurance policy

Understanding the coverages of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on most insurance policies.

Liability insurance

Liability coverage can cover injuries or damage you cause to a person or their property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like repair costs for stationary objects, medical expenses and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford. Ohio requires minimum liability limits of 25/50/25 but drivers should carry more coverage.

Insurance Liability Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Fiat 500 Chrysler 200
Mercedes-Benz SL Class Chevrolet Sonic
Chevrolet Corvette Kia Optima
Subaru Forester Hyndai Accent
Volvo XC60 Chevrolet Cruze
Audi A6 Kia Rio

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like dental work, X-ray expenses, surgery, pain medications and prosthetic devices. They can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Lowest and Highest Medical Payment Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Mitsubishi Lancer
Ford Expedition Hyundai Accent
Ford F-250 SuperCrew Chevrolet Sonic
Audi A4 Allroad Chevrolet Spark
Tesla Model S Dodge Charger
Chevrolet Silverado 3500 Nissan Versa

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle's occupants and damage to your vehicle.

Due to the fact that many Ohio drivers carry very low liability coverage limits (25/50/25 in Ohio), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Auto collision coverage

Collision coverage covers damage to your vehicle from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as rolling your car, crashing into a building, backing into a parked car and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Vehicles with the Lowest and Highest Collision Insurance Claims
Lowest Claim Amount Highest Claim Amount
GMC Canyon Maserati Granturismo
Ford F-150 SuperCrew Bently Continental GTC
Ford F-250 SuperCab BMW 6 Series
Smart ForTwo Nissan GT-R
Jeep Wrangler BMW M6
Mini Cooper Ferrari 458

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive insurance

This 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 hitting a deer, vandalism, rock chips in glass, a tree branch falling on your vehicle and falling objects. The most you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Comprehensive Coverage Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Porsche Panamera GTS
GMC Sierra 2500 Audi S7
Volvo V60 Mercedes-Benz S Class
Infiniti QX50 BMW M6
Nissan Leaf BMW M6
Smart ForTwo Bentley Continental GTC

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Cheap insurance premiums are out there

When trying to cut insurance costs, you should never reduce coverage to reduce premium. Too many times, an accident victim reduced comprehensive coverage or liability limits and discovered at claim time they didn't purchase enough coverage. The goal is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Cost effective insurance can be sourced both online and from local insurance agents, so you should compare both to get a complete price analysis. There are still a few companies who may not have price quotes online and many times these regional carriers provide coverage only through independent agents.

In this article, we presented many ideas to compare insurance car insurance rates in Fremont. The key thing to remember is the more quotes you get, the better your comparison will be. Drivers may even discover the biggest savings come from some of the smallest insurance companies. Regional companies can often provide lower premium rates in certain areas compared to the large companies like Allstate, GEICO and Progressive.

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