I can't think of a single person who fancies paying their premiums for auto insurance, particularly when they could get a better deal.

Astonishing but true, the vast majority of consumers in Ohio have been with the same company for at least the last four years, and approximately 40% of consumers have never compared rate quotes at all. Many consumers in America could save approximately 47% every year just by shopping around, but most undervalue the amount of savings they would get if they swap their current policy for a cheaper one.

Consumers have many car insurance companies to purchase coverage from, and although it's a good thing to have multiple companies, so many choices can make it hard to find the lowest rates.

Consumers should take time to shop coverage around yearly due to the fact that insurance rates are variable and change quite frequently. If you had the lowest premium rates on auto insurance a few years ago you will most likely find a better price today. Block out anything you think you know about auto insurance because we're going to show you the quickest way to save money, get proper coverage and the best rates.

Just remember that comparing a wide range of rates helps locate lower pricing. Some insurance companies are not set up to provide online price quotes, so it's recommended that you also compare quotes from the smaller companies as well.

The companies shown below can provide price comparisons in Ohio. If multiple companies are listed, it's highly recommended you visit as many as you can to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Beavercreek
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $612 $306 $51
Chevrolet Equinox LTZ AWD $660 $330 $55
Chevrolet Impala LS $622 $311 $52
Chevrolet Malibu LTZ $566 $283 $47
Chevrolet Silverado LT Extended Cab 4WD $788 $394 $66
Dodge Ram Quad Cab ST 4WD $740 $370 $62
Ford Escape XLT 4WD $518 $259 $43
Ford F-150 FX2 Super Cab 2WD $628 $314 $52
Ford Focus SE 2-Dr Coupe $858 $429 $72
Honda Accord EX 2-Dr Coupe $766 $383 $64
Honda CR-V EX 2WD $682 $341 $57
Honda Civic LX 4-Dr Sedan $778 $389 $65
Honda Odyssey LX $720 $360 $60
Nissan Altima 2.5 S 4-Dr Sedan $646 $323 $54
Nissan Rogue SL AWD $1,092 $546 $91
Toyota Camry Hybrid $878 $439 $73
Toyota Corolla XLE $856 $428 $71
Toyota RAV4 Limited 2WD $668 $334 $56
Volkswagen Jetta SE 2.5 Station Wagon $604 $302 $50
Get Your Own Custom Quote Go

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rate quotes do not factor in specific location which can lower or raise coverage prices significantly.

Do you need full coverage?

The diagram below examines Honda Accord insurance costs with liability coverage only compared to full coverage. The data assumes no claims or violations, $1,000 deductibles, married male driver, and no additional discounts are factored in.

Honda Accord rates are for example purposes only. To get rates for your specific vehicle, click here.

When to buy liability coverage only

There isn't a steadfast formula to stop buying full coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.

For example, let's pretend your Honda Accord replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,000 after paying the physical damage deductible. If you are paying more than $600 a year for full coverage, then you might want to think about dropping full coverage.

There are some situations where dropping physical damage coverage is not financially feasible. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not remove full coverage.

Car insurance policy discounts

Some insurers don't list their entire list of discounts in an easy-to-find place, so below is a list some of the more common and also the lesser-known savings tricks you should be using when you buy Beavercreek auto insurance online. If you are not receiving all the discounts you deserve, you are throwing money away.Cheaper car insurance with discounts

It's important to understand that many deductions do not apply to the whole policy. Some only reduce the cost of specific coverages such as liability and collision coverage. Despite the appearance that all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts should help lower the amount you have to pay.

Some companies that may offer policyholders these discounts may include but are not limited to:

If you want cheap Beavercreek auto insurance quotes, ask each company or agent which discounts they offer. Some credits may not apply in Beavercreek. To see car insurance companies that provide some of the discounts listed above in Ohio, follow this link.

Auto insurance does more than just protect your car

Despite the high cost of buying insurance in Beavercreek, paying for auto insurance serves a purpose in several ways.

The benefits of having auto insurance greatly outweigh the cost, especially with large liability claims. The average driver in America is wasting up to $865 each year so we recommend shopping around every year to save money.

When in doubt talk to an agent

When buying adequate coverage, there isn't really a cookie cutter policy. Everyone's situation is a little different.Drive safe and save

These are some specific questions can help discover whether your personal situation may require specific advice.

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

Local Beavercreek insurance agencies

Some consumers just prefer to get advice from a local agent and that can be a smart move The best thing about comparing insurance online is that you can obtain cheap insurance quotes and still choose a local agent.

Find insurance agent in BeavercreekFor easy comparison, once you complete this form (opens in new window), the quote information is emailed to local insurance agents in Beavercreek that can give you free Beavercreek auto insurance quotes for your coverage. It simplifies rate comparisons since you won't have to even leave your home due to the fact that quote results will go directly to your email. You can find the lowest rates without a big time investment. If you have a need to quote rates from a specific company, just jump over to their website and submit a quote form there.

Deciding on a insurance company requires more thought than just the price. These are some questions you should get answers to.

If you want a local insurance agency, it's helpful to know the types of agencies that you can choose from. Insurance policy providers are either exclusive agents or independent agents.

Exclusive Agencies

Exclusive agencies work for only one company such as Farmers Insurance and State Farm. They are unable to provide prices from multiple companies so they have no alternatives for high prices. They are trained well on their company's products which aids in selling service over price.

Independent Agents (or Brokers)

Agents that choose to be independent are not employed by any specific company so as a result can place your coverage amongst many companies and find the cheapest insurance rates. If premiums increase, they simply move your policy to a different company and the insured can keep the same agent.

When shopping rates, it's recommended you compare prices from at a minimum one independent agency to ensure the widest selection of prices.

Once you have received acceptable answers to any questions you may have and a good coverage price, it's a good possibility that you have found an insurance agency that can be relied on to adequately provide insurance.