Tired of scraping the payment together to insure your vehicles every month? You're in the same situation as the majority of other vehicle owners in Ohio.

Unbelievable but true, almost 70% of insureds have bought auto insurance from the same company for at least the last four years, and roughly 40% of drivers have never shopped around. Ohio drivers could pocket almost $730 a year just by comparing rates, but they don't know the big savings they would realize if they just switched companies.

Having so many choices of insurance companies, it can be diffult for drivers to find a lower cost auto insurance provider.

Quoting and buying the most affordable car insurance in Sandusky is not as confusing as people think. Practically each driver who needs lower cost car insurance most likely will find a lower-cost company. But Ohio drivers need to learn the way insurance companies calculate your car insurance rates because it can help you find the best coverage.

Affordable companies for Sandusky auto insurance

The providers in the list below provide quotes in Ohio. If several companies are displayed, we suggest you visit two to three different companies to find the lowest auto insurance rates.

Insurance Rates for Popular Vehicles in Sandusky
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $862 $431 $72
Chevrolet Malibu LT $538 $269 $45
Chevrolet Silverado LS Regular Cab 2WD $736 $368 $61
Dodge Ram Crew Cab TRX 4WD $1,014 $507 $85
Ford Escape XLT 4WD $456 $228 $38
Ford F-150 Lariat Crew Cab 2WD $646 $323 $54
Ford Focus SES 4-Dr Sedan $630 $315 $53
Honda Accord LX 4-Dr Sedan $666 $333 $56
Honda CR-V LX 4WD $594 $297 $50
Honda Civic EX-L 2-Dr Coupe $850 $425 $71
Honda Odyssey EX-L W/Navigation $760 $380 $63
Hyundai Elantra GLS 4-Dr Sedan $646 $323 $54
Mazda 3 S Grand Touring 4-Dr Hatchback $722 $361 $60
Nissan Altima Hybrid 4-Dr Sedan $966 $483 $81
Toyota Camry XLE $944 $472 $79
Toyota Corolla S $816 $408 $68
Toyota Prius $764 $382 $64
Toyota RAV4 2WD $802 $401 $67
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Prices do not factor in vehicle location which can modify auto insurance rates significantly.

Does it make sense to buy full coverage?

The chart below shows the comparison of Nissan Altima insurance costs when comparing full coverage to liability only. The information is based on no claims, a clean driving record, $250 deductibles, single male driver, and no discounts are applied.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

When to eliminate full coverage

There is no clear-cut formula of when to phase out physical damage coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let's assume your Nissan Altima claim settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $6,000 after the policy deductible has been paid. If you are paying more than $600 annually for physical damage coverage, then you might consider buying liability only.

There are a few cases where buying only liability insurance is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Insurance premiums for males and females

The information below shows the comparison of car insurance rates for male and female drivers in Sandusky. The price estimates are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, marital status is single, and no policy discounts are applied on a Hyundai Elantra SE.

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

Car insurance deductibles

One frequently asked question is how high should your deductibles be. The following insurance rates show the premium difference between high and low policy deductibles. The first set of rates uses a $250 deductible and the second price chart uses a $500 deductible.

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

GMC Acadia insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $152 $242 $226 $14 $68 $727 $61
Acadia SL AWD $176 $242 $226 $14 $68 $751 $63
Acadia SLE 2WD $176 $242 $226 $14 $68 $751 $63
Acadia SLE AWD $176 $296 $226 $14 $68 $805 $67
Acadia SLT 2WD $176 $296 $226 $14 $68 $805 $67
Acadia SLT AWD $198 $296 $226 $14 $68 $827 $69
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GMC Acadia insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Acadia SL 2WD $124 $196 $226 $14 $68 $628 $52
Acadia SL AWD $142 $196 $226 $14 $68 $646 $54
Acadia SLE 2WD $142 $196 $226 $14 $68 $646 $54
Acadia SLE AWD $142 $238 $226 $14 $68 $688 $57
Acadia SLT 2WD $142 $238 $226 $14 $68 $688 $57
Acadia SLT AWD $160 $238 $226 $14 $68 $706 $59
Get a Quote for Your Vehicle Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Price estimates do not factor in vehicle location which can modify insurance rates greatly.

Using the premium rates above, we can conclude that using a $250 deductible costs an average of $9 more each month or $108 for a full year than choosing the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go at least 28 months between claims, you would save more money if you elect the higher deductible.

Sandusky insurance prices are influenced by these factors

When buying insurance it's important to understand some of the things that play a part in calculating your insurance rates. If you have some idea of what determines base rates, this enables informed choices that can help you get lower rates.

Filing insurance claims can cost you more - Car insurance companies in Ohio give lower rates to people who file claims infrequently. If you are a frequent claim filer, you can expect either higher rates or even cancellation. Your car insurance is designed for the large, substantial claims.

Alarm systems save money - Choosing a vehicle with a theft deterrent system can help bring down rates. Theft prevention features like GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.

High physical damage deductibles save money - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Examples of some claims that would be covered are a broken side mirror, flood damage, and windstorm damage. Deductibles for physical damage define the amount you are willing to pay if the claim is covered. The more of the claim you have to pay, the lower your rates will be.

Cars with good safety ratings cost less to insure - Vehicles that have high safety ratings tend to be cheaper to insure. The safest vehicles reduce the chance of injuries and any reduction in injury severity translates directly to fewer claims and cheaper rates on your policy. If your car, truck, or SUV has ratings of a minimum four stars on Safercar.gov you may pay a lower rate.

Stress out and pay more - Do you have a high-stress occupation? Jobs such as military personnel, executives and medical professionals tend to have higher premium rates because of intense work requirements and incredibly demanding work hours. Conversely, occupations such as farmers, engineers and performers pay the least.

Do men or women drive better? - Over the last 30 years, statistics show women tend to be less risk to insure than men. That doesn't necessarily mean that males are worse at driving than females. Females and males get in fender benders at about the same rate, but the men cause more damage and cost insurance companies more money. Not only are claims higher, but men receive more major tickets like DUI and reckless driving.

Get cheaper car insurance with discounts

Some providers don't necessarily list the complete list of policy discounts in a way that's easy to find, so here is a list some of the more common as well as some of the hidden discounts that may be available.Save money with discounts

It's important to note that some of the credits will not apply to the whole policy. A few only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, companies don't profit that way. But all discounts should help reduce your policy cost.

If you would like to choose from a list of companies who offer free car insurance quotes in Ohio, click this link.

Do I need an insurance agency?

Some consumers would prefer to talk to an insurance agent and that is OK! A good thing about comparing insurance prices online is you can get lower rates and also buy local. Putting coverage with neighborhood agents is important particularly in Sandusky.

Insurance agency in SanduskyUpon completion of this short form, your insurance coverage information is submitted to insurance agents in Sandusky that can give you free Sandusky car insurance quotes to get your business. You don't have to drive around since rate quotes are delivered directly to your email. You can most likely find cheaper rates and a licensed agent to talk to. In the event you want to quote rates from one company in particular, you would need to navigate to their website and submit a quote form there.

When finding a reputable agency, it helps to know the two different types of agents and how they differ in how they quote coverages. Agents in Sandusky can either be exclusive or independent agents depending on their company appointments.

Independent Car Insurance Agents

Independent agencies are not restricted to one company so they have the ability to put coverage with multiple insurance companies and help determine which has the cheapest rates. If premiums increase, they can switch companies in-house and you don't have to find a new agent.

When searching for an agent, we highly recommend that you compare prices from a few independent agents so that you can do a thorough price comparison.

Exclusive Insurance Agents

Exclusive agents are contracted to one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot compare rates from other companies so it's a take it or leave it situation. Exclusive agencies receive a lot of sales training on the products they sell and that can be a competitive advantage.

Deciding on an auto insurance agent needs to be determined by more than just a low price. Any good agent in Sandusky should know the answers to these questions.

Car insurance claim information

Are you driving a vehicle with a high chance of a claim? The tables below outline the good and bad models for likelihood of having to file claims for each type of coverage.

Car Insurance Liability Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Acura MDX Dodge Charger
Audi A6 Kia Rio
Chevrolet Corvette Chevrolet Cruze
Volvo XC60 Chevrolet Impala
Mercedes-Benz SL Class Chrysler 200
Subaru Outback Mitsubishi Mirage

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

Collision Insurance Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Ford Edge Nissan GT-R
Mini Cooper BMW M6
Jeep Wrangler Maserati Granturismo
Smart ForTwo BMW 6 Series
Nissan Xterra Maserati Ghibli
Chevrolet Colorado Bently Continental GTC

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

Car Insurance Medical Payment Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Tesla Model S Kia Forte
Ford F-250 SuperCrew Hyundai Accent
Ford Expedition Mitsubishi Mirage
Chevrolet Silverado 3500 Chevrolet Spark
Chevrolet Silverado 2500 Mitsubishi Lancer
Land Rover Range Rover Sport Nissan Sentra

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

Lowest and Highest Comprehensive Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
GMC Sierra 2500 Mercedes-Benz S Class
Smart ForTwo BMW M6
Chevy Silverado 2500 Porsche Panamera GTS
Nissan Xterra BMW M6
Infiniti QX50 Bentley Continental GT
Volvo V60 Maserati Quattroporte

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

A little work can save a LOT of money

Cheaper car insurance in Sandusky is possible online and with local Sandusky insurance agents, so you need to shop Sandusky car insurance with both to have the best rate selection. Some companies may not provide the ability to get a quote online and many times these smaller companies work with independent insurance agents.

Throughout this article, we presented a lot of ways to compare car insurance premium rates in Sandusky. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Drivers may even discover the lowest premium rates are with some of the lesser-known companies. Smaller companies may have significantly lower prices on certain market segments as compared to the big name companies such as State Farm or Progressive.

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