Do you want to learn how to find lower-priced car insurance rates in Stow, OH? Wish you could get out of an underperforming, overpriced car insurance policy? Believe me when I say there are lots of people in the same boat.

It's amazing but the vast majority of consumers in Ohio kept buying from the same company for at least four years, and nearly the majority have never shopped around. American drivers could save about 46.5% every year, but they just assume it's a time-consuming process to compare rates and save money.

Insurance companies such as GEICO, Progressive and Allstate all claim big savings with TV and radio ads and it is challenging if not impossible to see past the corporate glitz and effectively compare rates to find the best deal.

It's a good habit to get comparison quotes once or twice a year because car insurance prices change frequently. Just because you had the best price on car insurance a year ago a different company probably has better rates today. There are lots of tips to save on car insurance online but in a few minutes you can learn a bunch of ideas how to reduce your car insurance bill.

Best companies for Ohio auto insurance

The companies shown below are ready to provide price comparisons in Stow, OH. If multiple companies are shown, it's a good idea that you click on several of them in order to find the most affordable rates.

Insurance Cost Estimates for Popular Vehicles in Stow
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 4WD $732 $366 $61
Chevrolet Silverado LT Extended Cab 4WD $750 $375 $63
Dodge Ram Crew Cab Sport 4WD $1,060 $530 $88
Ford Escape Limited 2WD $662 $331 $55
Ford Explorer XLT 4WD $638 $319 $53
Ford F-150 XL Crew Cab 4WD $872 $436 $73
Ford Focus SES 2-Dr Coupe $902 $451 $75
Honda Accord LX-S 2-Dr Coupe $1,016 $508 $85
Honda CR-V EX 4WD $596 $298 $50
Honda Civic DX 2-Dr Coupe $730 $365 $61
Honda Odyssey Touring $748 $374 $62
Hyundai Sonata GLS 4-Dr Sedan $834 $417 $70
Jeep Grand Cherokee Limited 2WD $852 $426 $71
Nissan Altima 3.5 SR 4-Dr Sedan $876 $438 $73
Toyota Camry SE $760 $380 $63
Toyota Corolla S $856 $428 $71
Volkswagen Jetta LE 4-Dr Sedan $610 $305 $51
Get Your Own Custom Quote Go

Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Prices do not factor in the specific area where the vehicle is garaged which can alter price quotes greatly.

Physical damage deductibles

The example below illustrates how your deductible choice and can influence Chevrolet Silverado insurance prices for different age groups. The rates are based on a single male driver, full coverage, and no discounts are applied to the premium.

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

Full coverage or liability only

The information below illustrates the comparison of Nissan Altima insurance rates with full physical damage coverage and with liability coverage only. The prices are based on a clean driving record, no at-fault accidents, $1,000 deductibles, married male driver, and no discounts are factored in.

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 full coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.

For example, let's say your Nissan Altima claim settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $2,000 after the policy deductible has been paid. If you are paying in excess of $200 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are a few situations where eliminating full coverage is not a good idea. If you still owe money on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Smart buyers can lower your rates

Many factors are part of the equation when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but other criteria are less obvious such as your credit history or your commute time. The best way to find cheaper auto insurance is to take a look at some of the elements that play a part in calculating the price you pay for auto insurance. When you understand what determines base rates, this empowers consumers to make smart changes that can earn you lower premium levels.

Listed below are a few of the things used by companies to determine premiums.

Take advantage of these money saving discounts

Some insurance providers don't always advertise every disount available in a way that's easy to find, so the following is a list of some of the more common and the harder-to-find discounts that you may qualify for.Cheaper auto insurance with discounts

A quick disclaimer, some credits don't apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, it doesn't quite work that way. But all discounts will definitely reduce your overall bill.

Larger auto insurance companies and their possible discounts can be found below.

Before purchasing a policy, check with all companies you are considering which discounts you qualify for. Discounts might not be offered on policies in Stow. To see a list of insurance companies that offer the discounts shown above in Stow, click here.

Shop online but buy locally

Many drivers would rather buy from a local agent and often times that is recommended One of the best bonuses of comparing insurance online is you can get the best rates and still have a local agent. And buying from neighborhood agents is definitely important in Stow.

Insurance agency in StowTo help locate an agent, after submitting this quick form, your coverage information is transmitted to participating agents in Stow who can give free rate quotes for your business. It's much easier because you don't need to drive around since rate quotes are delivered directly to your email. You can find the lowest rates without a big time investment. If for some reason you want to get a price quote from one company in particular, you can always navigate to their website to submit a rate quote request.

Choosing the best company is decision based upon more than just the price. A good agent in Stow will have answers to these questions.

Once you have satisfactory answers to these questions as well as offering an affordable quote, you may have found an provider that can insure your vehicles.

There's no such thing as the perfect car insurance policy

When buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Your situation is unique.Car insurance savings

Here are some questions about coverages that may help highlight if you will benefit from professional help.

If you're not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form.

Insurance losses by coverage

Do you own a high-claim vehicle? The statistics below show the best and worst vehicle makes and models for likelihood of filing claims.

Auto Insurance Medical Payment Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCrew Chrysler 200
Ford F-350 SuperCrew Chevrolet Spark
Land Rover Range Rover Sport Kia Forte
Chevrolet Corvette Mitsubishi Lancer
Chevrolet Silverado 3500 Nissan Versa
Ford Expedition Hyundai Accent

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

Vehicle Make and Models with the Lowest and Highest Comprehensive Coverage Claims
Lowest Claim Amount Highest Claim Amount
Volvo V60 Mercedes-Benz S Class
Nissan Xterra Maserati Granturismo
Chevy Spark Porsche Panamera GTS
Smart ForTwo Bentley Continental GTC
Ford F-350 Maserati Quattroporte
GMC Sierra 2500 Audi S7

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

Lowest and Highest Auto Insurance Liability Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Fiat 500 Kia Optima
Volvo XC60 Kia Rio
Subaru Outback Mitsubishi Mirage
Chevrolet Corvette Mitsubishi Lancer
Acura MDX Hyndai Accent
Audi A6 Chrysler 200

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

Lowest and Highest Collision Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Ford F-150 SuperCrew Bently Continental GTC
GMC Canyon Nissan GT-R
Ford F-250 SuperCab Ferrari 458
Chevrolet Colorado BMW 6 Series
Jeep Wrangler BMW M6
Nissan Xterra Maserati Granturismo

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

Be persistent and save

When trying to cut insurance costs, it's a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut collision coverage only to regret they didn't have enough coverage. The goal is to purchase plenty of coverage for the lowest price while still protecting your assets.

Budget-friendly insurance in Stow is available online and with local Stow insurance agents, and you should compare rates from both to have the best rate selection. Some companies may not have rates over the internet and many times these small, regional companies sell through local independent agents.

Drivers leave their current company for any number of reasons including delays in paying claims, not issuing a premium refund, delays in responding to claim requests or lack of trust in their agent. Regardless of your reason, choosing a new company is not as hard as you think.

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