Getting the lowest price quotes is challenging for drivers that are not comfortable with quoting and comparing rates on the internet. Because there are so many online companies, how can drivers even start to compare all the different companies and get better rates?
Shocking but true, about 70% of customers kept their policy with the same company for four years or more, and almost half have never compared quotes from other companies. With the average premium in America being $1,847, drivers could cut their rates by approximately $850 a year, but they underestimate the amount of savings they would get if they switch to a new company.
You should take the time to do price comparisons before your policy renews due to the fact that insurance prices go up and down regularly. Just because you had the lowest rates on insurance a year ago you will most likely find a better rate quote today. Forget all the misinformation about insurance because you're about to find out how to quote online to find great coverage at a great price.
Auto insurance companies in North Ridgeville
The providers in the list below are our best choices to provide quotes in North Ridgeville, OH. If the list has multiple companies, it's highly recommended you visit several of them in order to find the cheapest rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Extended Cab 2WD||$882||$441||$74|
|Chevrolet Silverado LT Crew Cab 2WD||$788||$394||$66|
|Dodge Ram Quad Cab ST 2WD||$754||$377||$63|
|Ford Escape XLS 4WD||$678||$339||$57|
|Ford F-150 Lariat Super Cab 4WD||$550||$275||$46|
|Ford Focus SE 2-Dr Coupe||$992||$496||$83|
|Honda Accord LX-P 4-Dr Sedan||$508||$254||$42|
|Honda CR-V EX-L 2WD||$618||$309||$52|
|Honda Civic Hybrid 4-Dr Sedan||$648||$324||$54|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$682||$341||$57|
|Kia Optima SX||$604||$302||$50|
|Nissan Altima 2.5 S 2-Dr Coupe||$808||$404||$67|
|Toyota Camry XLE||$920||$460||$77|
|Toyota Corolla XRS||$566||$283||$47|
|Volkswagen Jetta SE 4-Dr Sedan||$940||$470||$78|
|Get Your Own Custom Quote Go|
Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price information does not factor in vehicle location which can raise or lower premium rates substantially.
Auto insurance rates are higher with tickets and accidents
The diagram below demonstrates how traffic citations and fender-benders impact Nissan Altima yearly insurance costs for each different age category. The prices are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.
Earn discounts to get lower-cost North Ridgeville insurance rates
Some insurance providers don't list every discount they offer in an easy-to-find place, so below is a list some of the more common and also the lesser-known ways to save on insurance.
- Discount for Passive Restraints - Factory air bags and/or automatic seat belt systems can get savings up to 30%.
- Senior Citizen Discount - If you qualify as a senior citizen, you can possibly qualify for a discount up to 10%.
- Claim-Free Discount - Insureds who avoid accidents and claims are rewarded with significantly better rates on North Ridgeville car insurance quote compared to frequent claim filers.
- North Ridgeville Homeowners Discount - Owning a house in North Ridgeville may trigger a policy discount on insurance since home ownership requires a higher level of personal finance.
- Early Renewal Discounts - Select insurance companies give a discount for signing up early. The savings is around 10%.
- Anti-theft Discount - Vehicles with anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
- Discounts for New Vehicles - Adding a new car to your policy is cheaper since new vehicles have better safety ratings.
Don't be shocked that some credits don't apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, insurance companies wouldn't stay in business.
To view providers that offer multiple discounts in Ohio, click here.
Why you might pay higher rates in North Ridgeville
Lots of factors are part of the equation when pricing auto insurance. Some factors are common sense like your driving record, but others are more transparent such as your credit history or your vehicle rating. A large part of saving on auto insurance is knowing some of the things that go into determining the rates you pay for auto insurance. If you have some idea of what positively or negatively impacts your premiums, this enables informed choices that can help you get cheaper rates.
The items below are some of the major factors used by companies to determine prices.
Obey driving laws and save - Your driving citation history can have a huge impact on auto insurance premiums. Even a single chargeable violation can increase the cost of insurance twenty percent or more. Good drivers get better prices compared to drivers with tickets. Drivers unfortunate enough to have dangerous violations like hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 form with their state motor vehicle department in order to legally drive.
Car features that lower rates - Choosing to buy a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices such as GM's OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
Are men or women drivers cheaper? - Over time, data shows females are less aggressive when driving. However, don't assume that women are BETTER drivers than men. Both sexes tend to get into auto accidents in similar percentages, but the men cause more damage and cost insurance companies more money. They also get ticketed for serious violations like driving under the influence (DUI). Male drivers age 16 to 19 have the highest risk to insure and are penalized with high auto insurance rates.
The type of car you drive affects your prices - The type of vehicle you are insuring makes a big difference in your car insurance bill. The lowest premiums will normally be found when insuring small economy passenger vehicles, but many other things help determine your insurance rates.
Discounts for auto and home policies - Lots of insurance companies allow a discount to buyers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be as much as ten percent or more If you currently are using one company, drivers will still want to compare other company rates to help guarantee you have the best rates.
Low physical damage deductibles mean high premiums - Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered are a windshield shattered by a rock, hitting a deer, or theft. Comp and collision deductibles define how much you are required to pay if a claim is determined to be covered. The more damage repair cost you are required to pay out-of-pocket, the better rate you will receive.
Low stress job equals lower rates - Do you work in a high-stress field? Jobs such as lawyers, airline pilots, and emergency personnel usually pay higher premium rates because of intense work situations and long work hours. On the flip side, occupations such as actors, students and retirees generally pay rates lower than average.
When should I discuss my situation with an agent?
Always keep in mind that when comparing the right insurance coverage, there is no one-size-fits-all type of policy. Your needs are unique to you.
These are some specific questions might help in determining if your insurance needs might need an agent's assistance.
- What is glass protection for?
- When should I buy a commercial auto policy?
- Am I covered when delivering products for my home-based business?
- How much cheaper are high deductibles?
- Do I get a pro-rated refund if I cancel my policy early?
- Who sells insurance for high-risk drivers?
- Am I covered if I back into my garage door?
- Will my insurance pay for OEM parts?
- Do all my vehicles need collision coverage?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
If you don't know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form.
Can't I compare rates from local North Ridgeville insurance agents?
A lot of people still prefer to sit down with an agent and there is nothing wrong with that. The best thing about comparing insurance prices online is that you can obtain lower rates and still have an agent to talk to. Buying from local agents is still important in North Ridgeville.
To help locate an agent, after submitting this form (opens in new window), your coverage information is immediately sent to companies in North Ridgeville that give free quotes for your insurance coverage. You never need to visit any agencies since rate quotes are delivered straight to your inbox. You'll get the best rates without the usual hassles of price shopping. If you wish to get a comparison quote from a particular provider, you can always search and find their rate quote page and submit a quote form there.
Exclusive or Independent: There is a difference
If you would like to find an insurance agent, it helps to know the two types of agencies to choose from. Agencies in North Ridgeville can either be independent agents or exclusive agents.
Independent Agents (or Brokers)
Independent insurance agents are normally appointed by many insurers so they can write business with many different companies and find you cheaper rates. If they find a lower price, your agent can switch companies and you stay with the same agent.
If you are comparing auto insurance prices, it's a good idea to get several quotes from multiple independent agents so that you have a good selection of quotes to compare. Many independent agencies also insure through small regional insurance companies which may provide better rates.
Exclusive Insurance Agents
Exclusive agents normally can only provide a single company's rates and some examples include Farmers Insurance and State Farm. They are unable to provide other company's prices so they have to upsell other benefits. Exclusive agents are usually well trained on sales techniques and that allows them to sell at a higher price point. Drivers often use the same exclusive agent mainly due to the brand name rather than having the cheapest rates.
Finding the right auto insurance agent needs to be determined by more than just a low price. Agents should be asked these questions:
- Will high miles depreciate repair valuations?
- Can you contact them at any time?
- Are they actively involved in the community?
- What are their preferred companies if they are an independent agency?
- Where would your vehicle be repaired?
- Will you work with the agent or an assistant?
- Does the company allow you to choose your own collision repair facility?
- Who is covered by the car insurance policy?
Well known brands might not be cheapest
Popular auto insurance providers such as State Farm, GEICO and Progressive regularly use ads on TV and radio. All the ads say the same thing about saving some big amount just by switching to them. How is it possible that every company can make the same claim? It's all in the wording.
Most companies quote their best rates for the type of customer that makes them money. For instance, a desirable risk might have to be married and over the age of 30, owns their home, and drives a lower-performance vehicle. Anybody who matches that profile will qualify for the lowest prices in North Ridgeville and most likely will save if they switch.
Consumers who do not match the ideal profile will be charged a higher rate which usually ends up with the prospect going elsewhere. The trick is to say "drivers who switch" but not "all drivers who get quotes" save that much money. That is how insurance companies can advertise the way they do.
That is why you really should do a rate comparison at every renewal. It is impossible to predict which auto insurance company will have the best prices for your profile.
One last thing about your coverage
We've covered many tips how you can save on insurance in North Ridgeville. The most important thing to understand is the more you quote North Ridgeville car insurance, the better your chances of lowering your premium rates. You may even find the most savings is with the least-expected company.
Insureds change insurance companies for many reasons like lack of trust in their agent, poor customer service, questionable increases in premium and an unsatisfactory settlement offer. Regardless of your reason, finding a great new company can be less work than you think.
When you buy North Ridgeville car insurance online, do not buy less coverage just to save a little money. There are too many instances where an accident victim reduced liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at the best cost while not skimping on critical coverages.
For more information, feel free to browse these articles:
- What Does No-Fault Insurance Cover? (Allstate)
- Who Has Affordable Auto Insurance for a Ford Edge in Ohio? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Uber Drivers in Ohio? (FAQ)
- Who Has the Cheapest Ohio Auto Insurance Rates for Drivers Under 25? (FAQ)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Safe Vehicles for Teens (iihs.org)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Winter Driving (Insurance Information Institute)