Are you looking for low-cost auto insurance rates in Findlay, OH? No sane person looks forward to buying auto insurance, especially when they could lower their rates if they shopped around.

Unthinkable but true, 70% of consumers renewed their policy with the same company for at least four years, and just short of a majority have never compared quotes from other companies. Findlay drivers can save hundreds of dollars each year just by comparing rates, but they don't know how much savings they would realize if they bought a different policy.

Due to the fact that there are so many choices, it can be impossible to pick the cheapest auto insurance provider.

The goal of this article is to help you learn how car insurance works and also pocket some savings If you have insurance now, you will definitely be able to find better prices using the ideas you're about to read. Although Ohio drivers do need to know the methods companies use to determine premium rates and use it to find better rates.

Car insurance companies offering cheap rates in Ohio

The companies shown below can provide free rate quotes in Findlay, OH. If the list has multiple companies, we recommend you visit several of them to get the most competitive price.

Insurance Estimates for Popular Vehicles in Findlay
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LS $756 $378 $63
Chevrolet Silverado LT Crew Cab 2WD $1,014 $507 $85
Dodge Grand Caravan SE $760 $380 $63
Dodge Ram Crew Cab ST 2WD $782 $391 $65
Ford Escape XLT 2WD $496 $248 $41
Ford F-150 FX2 2WD $538 $269 $45
Ford Focus SEL 4-Dr Sedan $696 $348 $58
GMC Sierra SLT Extended Cab 4WD $850 $425 $71
Honda Accord EX 4-Dr Sedan $822 $411 $69
Honda CR-V EX-L 4WD $584 $292 $49
Honda Civic LX-S 4-Dr Sedan $822 $411 $69
Hyundai Sonata GLS 4-Dr Sedan $750 $375 $63
Mazda 3 S Grand Touring 4-Dr Hatchback $738 $369 $62
Nissan Altima 2.5 S 2-Dr Coupe $822 $411 $69
Toyota Camry LE $764 $382 $64
Toyota Corolla XRS $854 $427 $71
Toyota Prius $668 $334 $56
Toyota Tacoma 2WD $770 $385 $64
Volkswagen Jetta SE 2.5 Station Wagon $686 $343 $57
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rates do not factor in specific Findlay garaging location which can affect rates significantly.

Comparison of policy deductibles

The example below shows how choosing a deductible and can raise or lower Toyota Camry insurance premiums for each different age group. Data assumes a married male driver, full coverage, and no additional discounts are factored in.

Toyota Camry rates are for example purposes only. To get rates for your specific vehicle, click here.

Rate comparison of full coverage and liability-only

The example below examines Chevrolet Silverado annual premium costs with and without physical damage coverage. The rate quotes are based on no claims or driving citations, $250 deductibles, single male driver, and no policy discounts are applied.

Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.

Are you wasting money paying for full coverage?

There is no definitive guideline to eliminate comp and collision coverage, but there is a general guideline. If the annual cost of coverage is more than around 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let's say your Chevrolet Silverado book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $2,000 after the policy deductible has been paid. If you are paying more than $200 annually for full coverage, then it might be time to buy liability only.

There are some situations where removing full coverage is not recommended. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not drop full coverage.

Comparison of policy deductibles

One of the hardest decisions when shopping for car insurance is which deductibles should you choose. The following insurance rates show the rate difference when you buy lower versus higher physical damage deductibles. The first rate estimation uses a $100 physical damage coverage deductible and the second price table uses a $1,000 deductible.

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

GMC Acadia insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $170 $290 $226 $14 $68 $793 $66
Acadia SL AWD $196 $290 $226 $14 $68 $819 $68
Acadia SLE 2WD $196 $290 $226 $14 $68 $819 $68
Acadia SLE AWD $196 $352 $226 $14 $68 $881 $73
Acadia SLT 2WD $196 $352 $226 $14 $68 $881 $73
Acadia SLT AWD $220 $352 $226 $14 $68 $905 $75
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GMC Acadia insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $94 $152 $226 $14 $68 $554 $46
Acadia SL AWD $108 $152 $226 $14 $68 $568 $47
Acadia SLE 2WD $108 $152 $226 $14 $68 $568 $47
Acadia SLE AWD $108 $186 $226 $14 $68 $602 $50
Acadia SLT 2WD $108 $186 $226 $14 $68 $602 $50
Acadia SLT AWD $122 $186 $226 $14 $68 $616 $51
Get a Quote for Your Vehicle Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price information does not factor in your specific Findlay location which can modify premium rates greatly.

We can estimate from the data above that using a $100 deductible costs an average of $22 more each month or $264 annually than requesting the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 41 months between claims, you would most likely save money going with the higher deductible.

Save with these discounts

Insurance is not cheap nor is it fun to buy but there could be available discounts that can help lower your rates. A few discounts will automatically apply at the time of purchase, but a few need to be requested specifically before being credited.Discount insurance

One thing to note about discounts is that most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think it's possible to get free car insurance, you won't be that lucky.

Insurance companies that possibly offer some of the discounts shown above include:

When comparing rates, check with each company or agent what discounts are available to you. Discounts may not apply to policies everywhere. To locate insurance companies that offer multiple discounts in Findlay, click here.

Why informed consumers pay lower rates in Findlay

Many things are used when you get your auto insurance bill. Some are pretty understandable such as your driving history, but other factors are not quite as obvious such as your marital status or your financial responsibility.

Your situation helps dictate your coverage

When selecting insurance from an agent or online for your vehicles, there is no best way to insure your cars. You are unique.Safe vehicles cost less to insure

For instance, these questions might help in determining if your situation might need professional guidance.

If it's difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, complete this form.

Drivers who switch save $432 a year? Really?

Respected companies like Progressive, GEICO, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies have a common claim that you can save if you just switch your policy. How do they all charge less that you're paying now? This is the trick they use.

Insurance providers quote their best rates for the type of customer that earns them a profit. A good example of this type of insured could possibly be a married female, has never had a claim, and drives a lower-performance vehicle. Someone that hits that "sweet spot" receive the lowest rate quotes in Findlay and have a good chance to pay quite a bit less when switching companies.

Insureds who are not a match for the requirements will get higher rates which results in the customer not purchasing. If you pay close attention to the ads, they say "people that switch" but not "all drivers who get quotes" save that much. That is how insurance companies can confidently make it sound like they have such great premium rates.

Because of the profiling, you need to do a quote comparison often. It is impossible to predict with any certainty which company will fit your personal profile best.

Persistence is the key to cheaper rates

As you shop your coverage around, make sure you don't buy poor coverage just to save money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

In this article, we presented a lot of tips how to shop for car insurance online. The key concept to understand is the more companies you get prices for, the higher your chance of finding cheap Findlay auto insurance quotes. You may even be surprised to find that the best price on car insurance is with a company that doesn't do a lot of advertising.

Lower-priced car insurance in Findlay can be bought online in addition to many Findlay insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some car insurance companies may not have online rate quotes and these small insurance companies provide coverage only through independent agencies.

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