Have you had enough of scraping the payment together each month for auto insurance? You are in the same boat as many other Ohio consumers.

It's hard to fathom, but nearly 70% of customers kept buying from the same company for more than four years, and roughly 40% of drivers have never compared rate quotes at all. Broadview Heights drivers could cut their rates by approximately 55% a year by just comparing rate quotes, but they don't invest the time required to shop around.

Multiple car insurance companies compete for your business, so it can be very hard to choose a insurance company to find the lowest rate on auto insurance.

You should make it a habit to compare premium rates occasionally because rates are constantly changing. Even if you got the lowest rate on auto insurance a year ago you can probably find a lower rate today. You'll find a ton of advice on auto insurance out there, but in this article, you're going to get some great ideas on how to save money.

Compare free Broadview Heights car insurance quotes

Just keep in mind that comparing more prices increases your odds of finding a lower rate than you're paying now.

The providers in the list below provide quotes in Ohio. If multiple companies are shown, we recommend you compare several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Broadview Heights
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $702 $351 $59
Chevrolet Impala LT $528 $264 $44
Chevrolet Silverado Crew Cab Hybrid 4WD $932 $466 $78
Dodge Grand Caravan CV $646 $323 $54
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,060 $530 $88
Ford Escape XLT 4WD $700 $350 $58
Ford F-150 FX2 2WD $822 $411 $69
Ford Focus SE 2-Dr Coupe $882 $441 $74
Honda Accord LX-S 2-Dr Coupe $1,004 $502 $84
Honda CR-V LX 4WD $536 $268 $45
Honda Civic SI 4-Dr Sedan $762 $381 $64
Honda Odyssey EX-L $618 $309 $52
Hyundai Elantra SE 4-Dr Sedan $816 $408 $68
Jeep Grand Cherokee SRT-8 4WD $818 $409 $68
Nissan Altima 3.5 SR 4-Dr Sedan $746 $373 $62
Toyota Camry SE $746 $373 $62
Toyota Corolla S $964 $482 $80
Toyota Prius $570 $285 $48
Toyota RAV4 Limited 4WD $598 $299 $50
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium costs do not factor in vehicle garaging location which can impact premiums significantly.

Higher deductibles lower rates

When shopping for auto insurance, a common question is how high should the deductibles for physical damage be. The rates shown below illustrate the cost difference of buying low and high physical damage deductibles. The first table uses a $100 deductible for physical damage and the second price table uses a $1,000 deductible.

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

Hyundai Elantra insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $170 $290 $192 $12 $58 $747 $62
Elantra Blue 4-Dr Sedan $170 $416 $226 $14 $68 $919 $77
Elantra GLS 4-Dr Sedan $196 $416 $226 $14 $68 $945 $79
Elantra SE 4-Dr Sedan $196 $416 $226 $14 $68 $945 $79
Elantra SE Touring Station Wagon $196 $352 $192 $12 $58 $835 $70
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Hyundai Elantra insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Elantra GLS Touring Station Wagon $94 $152 $192 $12 $58 $508 $42
Elantra Blue 4-Dr Sedan $94 $220 $226 $14 $68 $622 $52
Elantra GLS 4-Dr Sedan $108 $220 $226 $14 $68 $636 $53
Elantra SE 4-Dr Sedan $108 $220 $226 $14 $68 $636 $53
Elantra SE Touring Station Wagon $108 $186 $192 $12 $58 $556 $46
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Premium costs do not factor in your specific Broadview Heights location which can raise or lower rates substantially.

We can derive from the above data that using a $100 deductible would cost the average driver about $24 more each month or $288 annually than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 38 months between claims, you would more than likely save some money by selecting a higher deductible. The illustration below shows an example of how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $73
Average monthly premium for $1,000 deductibles (subtract): - $49
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 38 months

One important caveat is that raising deductibles to save money means you will have to pay more if you have a claim. You need to have a higher level of savings in the event you need to pay the higher deductible.

Tickets and at-fault accidents raise rates

The information below demonstrates how speeding tickets and at-fault fender-benders impact GMC Acadia insurance rates for each different age group. The premiums assume a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.

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

Why you need quality insurance for your vehicle

Even though rates can get expensive, insurance serves several important purposes.

The benefits of having insurance definitely exceed the cost, particularly if you ever have a claim. The average driver in Ohio overpays more than $825 a year so you should quote rates at every policy renewal to make sure the price is not too high.

Get affordable rates with these seven discounts

Car insurance is not an enjoyable expense, but you may be missing some discounts that can dramatically reduce your bill. Most are applied at the time of purchase, but some must be asked for before they will apply. If you check and find you aren't receiving every discount available, it's possible you qualify for a lower rate.Cheaper car insurance with discounts

You should keep in mind that some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, company stockholders wouldn't be very happy.

Insurance companies who may offer some of the discounts shown above include:

When getting a coverage quote, ask each company or agent which discounts can lower your rates. Some discounts listed above may not apply to policies in your state.

Independent versus exclusive insurance agencies

Certain consumers still prefer to buy from a local agent and that is just fine! A good thing about comparing rates online is the fact that drivers can get cheap rate quotes and also buy local.

To find an agent, once you fill out this form (opens in new window), your information is immediately sent to insurance agents in Broadview Heights who will give you quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to visit any agencies since price quotes are sent to you directly. You'll get the best rates without a big time investment. If you want to compare rates from a specific auto insurance provider, you can always navigate to their website and fill out the quote form the provide.

Finding a good provider should depend on more than just a cheap quote. These are some valid questions you should ask.

The type of car insurance agent you choose is important

When looking for a local agent, you need to know there are two different agency structures and how they can write your policy. Auto insurance agencies may be either exclusive or independent agents depending on their company appointments.

Exclusive Agencies

These agents generally can only insure with one company such as Farmers Insurance, Allstate, or State Farm. These agents are unable to compare other company's rates so keep that in mind. Exclusive agents are usually quite knowledgeable on sales techniques and that can be a competitive advantage.

Independent Agents

These type of agents do not have single company limitations so as a result can place your coverage through many companies and help determine which has the cheapest rates. If premiums increase, an independent agent can move your coverage and you can keep the same agent. When comparing rate quotes, it's recommended you include rate quotes from a couple of independent agencies to maximize your price options.

Everyone needs different auto insurance coverages

When it comes to the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. You are unique.Auto insurance savings

These are some specific questions may help highlight whether you could use an agent's help.

If you can't answer these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.

Car insurance coverage basics

Having a good grasp of your policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers - This provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your vehicle.

Since a lot of drivers have only the minimum liability required by law (Ohio limits are 25/50/25), their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverages - This will pay to fix damage to your vehicle caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a building, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Comprehensive (Other than Collision) - This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like vandalism, falling objects and rock chips in glass. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like surgery, chiropractic care and dental work. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Liability insurance - This coverage provides protection from damage or injury you incur to a person or their property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for $25,000 in coverage for each person's injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things like bail bonds, repair costs for stationary objects, loss of income, medical services and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford. Ohio state minimum liability requirements are 25/50/25 but you should think about purchasing more liability than the minimum.

Smart shoppers get results

We just showed you many tips how you can shop for insurance online. It's most important to understand that the more companies you get car insurance rates for, the higher your chance of finding low cost Broadview Heights auto insurance quotes. You may even discover the biggest savings come from a small mutual company.

People leave their current company for many reasons like denial of a claim, extreme rates for teen drivers, lack of trust in their agent and even an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

Lower-priced insurance in Broadview Heights is attainable from both online companies as well as from insurance agents, so you should compare both to have the best selection. Some insurance companies may not have price quotes online and most of the time these smaller companies provide coverage only through local independent agents.

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