Finding cheap quotes online is rather difficult for vehicle owners that are not comfortable with quoting and buying their car insurance over the internet. With so many insurance agents and companies in the marketplace, how can vehicle owners have time to compare them all to find better rates?

It's amazing but the vast majority of consumers in Ohio have been with the same company for over three years, and about 40% of consumers have never even compared rates from other companies. American drivers could pocket up to $859 a year by just shopping around, but they don't understand how simple it is to compare rates online.

It's important to get comparison quotes before your next renewal because insurance prices tend to go up over time. Just because you found the lowest rates on car insurance a year ago there is a good chance you can find better premium rates now. There is lot of inaccurate information about car insurance on the internet, but we're going to give you the best ways to quit paying high car insurance rates in Massillon.

If you have a current car insurance policy, you will definitely be able to get lower rates using the ideas presented in this article. Shopping for affordable car insurance policy in Massillon is quite easy. But Ohio consumers need to learn the way insurance companies price online insurance and apply this information to your search.

Companies offer many discounts on car insurance

Car insurance is not an enjoyable expense, but you might already qualify for some discounts to cut the cost considerably. Some discounts will apply when you complete an application, but some discounts are required to be asked about prior to receiving the credit.Cheaper car insurance with discounts

It's important to note that some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, you're out of luck.

A partial list of companies that have these money-saving discounts may include but are not limited to:

Check with each company which discounts you may be entitled to. Some discounts might not be offered on policies in Massillon. To locate car insurance companies that offer some of these discounts in Ohio, click here to view.

Compare auto insurance rates

To get low cost Massillon auto insurance quotes, there a variety of ways to compare rate quotes from companies that offer auto insurance in Ohio. The fastest way to find affordable insurance rates is to perform an online rate comparison.

Just remember that making a lot of price comparisons increases your odds of finding the best price.

The providers in the list below are ready to provide price comparisons in Massillon, OH. If multiple providers are shown, we suggest you compare several of them to get the most competitive price.

Insurance Rate Estimates for Popular Vehicles in Massillon
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Regular Cab $566 $283 $47
Dodge Ram Quad Cab Laramie 2WD $1,056 $528 $88
Ford Escape Limited 4WD $630 $315 $53
Ford F-150 STX Super Cab 4WD $510 $255 $43
Ford Focus SEL 4-Dr Sedan $730 $365 $61
Honda Accord EX-L 2-Dr Coupe $780 $390 $65
Honda CR-V LX 2WD $822 $411 $69
Honda Civic DX 2-Dr Coupe $892 $446 $74
Hyundai Sonata Limited 4-Dr Sedan $788 $394 $66
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $916 $458 $76
Nissan Altima 3.5 SR 2-Dr Coupe $1,184 $592 $99
Toyota Camry SE $816 $408 $68
Toyota Corolla XLE $566 $283 $47
Toyota Prius $668 $334 $56
Volkswagen Jetta S 2.5 Station Wagon $736 $368 $61
Get Your Own Custom Quote Go

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Table data does not factor in vehicle location which can influence premium rates considerably.

Safe drivers pay less for car insurance

The example below demonstrates how citations and fender-benders influence Toyota Camry auto insurance rates for each different age category. The data is based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.

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

Comparison of full coverage and liability-only policies

The illustration below examines Hyundai Sonata car insurance rates with full coverage and liability only. The costs are based on no accidents or driving violations, $250 deductibles, single female driver, and no discounts are factored in.

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

Are you wasting money on full coverage?

There is no definitive guideline to delete physical damage insurance, but there is a general guideline. If the yearly cost of full coverage is about 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let's pretend your Hyundai Sonata book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $6,000 after paying the physical damage deductible. If you are paying in excess of $600 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some scenarios where removing full coverage is not a good idea. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not buy liability only.

Auto insurance coverage information

Having a good grasp of your policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, damage from getting keyed, damage from a tornado or hurricane, damage from flooding and theft. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Comprehensive Coverage Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Infiniti QX50 Mercedes-Benz S Class
Nissan Leaf BMW M6
GMC Sierra 2500 Audi S7
Smart ForTwo BMW M6
Chevy Spark Maserati Granturismo
Ford F-350 Bentley Continental GT

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

Auto liability

This provides protection from damage or injury you incur to people or other property in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which stand for $25,000 bodily injury coverage, $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) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like pain and suffering, court costs, emergency aid and medical services. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford. Ohio requires minimum liability limits of 25/50/25 but you should think about purchasing higher limits.

Lowest and Highest Bodily Injury Liability Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Kia Rio
Audi A6 Chevrolet Impala
Mercedes-Benz SL Class Mitsubishi Lancer
Subaru Forester Chevrolet Sonic
Subaru Outback Kia Optima
Fiat 500 Hyndai Accent

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

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for dental work, nursing services, surgery, hospital visits and X-ray expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Vehicle Models with the Lowest and Highest Medical Payment Claims
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 3500 Chevrolet Sonic
Ford F-250 SuperCrew Mitsubishi Mirage
Ford F-350 SuperCrew Chevrolet Spark
Land Rover Range Rover Sport Nissan Sentra
Chevrolet Silverado 2500 Dodge Charger
Ford Expedition Kia Forte

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

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle's damage.

Because many people only purchase the least amount of liability that is required (Ohio limits are 25/50/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like sideswiping another vehicle, colliding with another moving vehicle, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It's also possible to increase the deductible to get cheaper collision coverage.

Insurance Collision Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Bently Continental GT
Ford Edge Nissan GT-R
Smart ForTwo BMW M6
Jeep Wrangler Maserati Ghibli
GMC Canyon Audi RS7
Ford F-250 SuperCab BMW 6 Series

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

Cheaper car insurance is a realistic goal

Drivers switch companies for a variety of reasons including policy non-renewal, delays in responding to claim requests, high prices or high rates after DUI convictions. It doesn't matter why you want to switch switching car insurance companies can be easy and end up saving you some money.

More affordable car insurance in Massillon can be bought both online in addition to many Massillon insurance agents, so get free Massillon auto insurance quotes from both of them to have the best chance of lowering rates. Some car insurance companies don't offer the ability to get quotes online and these regional insurance providers only sell through independent insurance agents.

When trying to cut insurance costs, it's a bad idea to buy less coverage just to save a little money. There are many occasions where an accident victim reduced uninsured motorist or liability limits and discovered at claim time that it was a big mistake. The goal is to buy the best coverage you can find at the best price, not the least amount of coverage.

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