Do you want to save money by buying low-cost car insurance rates in Westlake, OH? Being forced to pay for expensive car insurance premiums can eat up your checking account and make it impossible to make ends meet. Doing a rate comparison is an excellent way to reduce premiums and put more money in your pocket.

It's astonishing, but nearly 70% of consumers have bought car insurance from the same company for at least the last four years, and just short of a majority have never compared quotes from other companies. Consumers in the U.S. could save an average of up to $860 each year just by getting comparison quotes, but they underestimate the big savings they would realize if they just switched companies.

With so many choices, it is very difficult to locate a more affordable insurance company.

Finding and comparing the best-priced coverage in Westlake is not as hard as you may think. Just about every car owner who is shopping for car insurance most likely will find lower prices. But Ohio drivers do need to understand the way companies compete online and use this information to your advantage.

Best companies for low-cost rate quotes in Ohio

The companies in the list below offer price quotes in Westlake, OH. If more than one company is shown, it's a good idea that you visit as many as you can in order to find the most affordable rates.

Insurance Rate Estimates for Popular Vehicles in Westlake
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $532 $266 $44
Chevrolet Equinox LS AWD $624 $312 $52
Chevrolet Silverado LT Crew Cab 2WD $780 $390 $65
Dodge Ram Crew Cab Sport 4WD $892 $446 $74
Ford Escape Limited 4WD $566 $283 $47
Ford Explorer Eddie Bauer AWD $616 $308 $51
Ford F-150 XL Crew Cab 2WD $638 $319 $53
Ford Focus SE 4-Dr Sedan $654 $327 $55
Ford Fusion Sport AWD 4-Dr Sedan $906 $453 $76
Honda Accord LX-P 4-Dr Sedan $514 $257 $43
Honda CR-V EX-L 2WD $684 $342 $57
Honda Civic SI 2-Dr Coupe $772 $386 $64
Hyundai Sonata Limited 4-Dr Sedan $726 $363 $61
Kia Optima SX $788 $394 $66
Nissan Altima Hybrid 4-Dr Sedan $868 $434 $72
Nissan Rogue SL 2WD $670 $335 $56
Toyota Camry Hybrid $788 $394 $66
Toyota Corolla XRS $876 $438 $73
Volkswagen Jetta LE 4-Dr Sedan $668 $334 $56
Get Your Own Custom Quote Go

Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Estimates do not factor in specific garaging location which can change insurance rates substantially.

Higher deductibles lower rates

The example below illustrates how your choice of deductibles and can increase or decrease Ford F-150 insurance rates for different insured age categories. The premium estimates are based on a single female driver, full coverage, and no policy discounts are applied.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

Determine discounts on Westlake car insurance

Car insurance can cost a lot, but you may be missing some discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of quoting, but some must be specifically requested before you will receive the discount.Save money with discounts

Just know that some credits don't apply to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, companies don't profit that way.

Car insurance companies that may offer these money-saving discounts may include but are not limited to:

When getting free Westlake auto insurance quotes, it's a good idea to all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts might not be offered on policies in your state. If you would like to choose from a list of providers with significant discounts in Westlake, click here.

Car insurance 101

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you'll find the usual coverages found on the average insurance policy.

Uninsured and underinsured coverage

This protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your vehicle.

Because many people have only the minimum liability required by law (25/50/25 in Ohio), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are identical to your policy's liability coverage.

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, a tree branch falling on your vehicle, hitting a deer and vandalism. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Comprehensive Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
GMC Sierra 2500 Mercedes-Benz S Class
Chevy Silverado 2500 BMW M6
Smart ForTwo Maserati Granturismo
Nissan Xterra Audi S7
Ford F-350 Bentley Continental GT
Volvo V60 Maserati Quattroporte

Statistics from IIHS.org for 2013-2015 Model Years

Liability auto insurance

Liability coverage protects you from damage or injury you incur to people or other property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for $25,000 in coverage for each person's injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as emergency aid, legal defense fees, court costs and medical expenses. How much liability should you purchase? That is your choice, but buy higher limits if possible. Ohio state minimum liability requirements are 25/50/25 but it's recommended drivers buy higher limits.

Vehicles with the Lowest and Highest Liability Insurance Claims
Lowest Overall Losses Highest Overall Losses
Acura MDX Chevrolet Impala
Fiat 500 Hyndai Accent
Volvo XC60 Chrysler 200
Subaru Forester Kia Optima
Mercedes-Benz SL Class Kia Rio
Subaru Outback Chevrolet Cruze

Statistics from IIHS.org for 2013-2015 Model Years

Collision coverage

Collision insurance pays for damage to your vehicle resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, rolling your car, sideswiping another vehicle, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Lowest and Highest Collision Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Jeep Wrangler Ferrari 458
Ford Edge Bently Continental GTC
Chevrolet Colorado Bently Continental GT
Smart ForTwo BMW M6
Ford F-250 SuperCab Maserati Granturismo
Ford F-150 SuperCrew BMW 6 Series

Statistics from IIHS.org for 2013-2015 Model Years

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills for rehabilitation expenses, hospital visits, EMT expenses, prosthetic devices and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Lowest and Highest Medical Payment Coverage Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Ford F-250 SuperCrew Dodge Charger
Chevrolet Silverado 3500 Chevrolet Sonic
Chevrolet Corvette Hyundai Accent
Ford F-350 SuperCrew Nissan Versa
Audi A4 Allroad Nissan Sentra
Ford Expedition Kia Forte

Statistics from IIHS.org for 2013-2015 Model Years

Insurance savings summarized

Lower-priced insurance in Westlake is available from both online companies in addition to many Westlake insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not offer online price quotes and most of the time these small insurance companies prefer to sell through independent agencies.

When getting Westlake auto insurance quotes online, don't be tempted to skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced full coverage and learned later that the few dollars in savings costed them thousands. The goal is to buy the best coverage you can find at a price you can afford and still be able to protect your assets.

Additional detailed information can be found in the articles below: