Paying for high-priced auto insurance in Strongsville can bleed your personal savings and force you to prioritize other expenses. Shopping your coverage around is a fast and free way to lower your monthly bill.
Unbelievable but true, over 70% of drivers have been with the same company for at least four years, and roughly 40% of drivers have never even compared quotes to find affordable rates. The average driver in Strongsville could save an average of roughly $729 each year by just comparing rate quotes, but they don't believe the rate savings if they switched. There is such a variety of insurers to purchase coverage from, and although it's nice to have a choice, it can be more difficult to find the best rates.
Most major insurance companies like State Farm, Allstate and GEICO allow you to get prices for coverage on their websites. Obtaining pricing doesn't take much effort as you simply type in your coverage information as detailed in the form. When the form is submitted, their quoting system makes automated requests for credit information and your driving record and provides a quote. This makes comparing rates easy, and it's necessary to perform this step if you want to find affordable prices.
To compare rates using this form now, compare rates from the companies below. If you currently have coverage, we recommend you replicate the insurance coverages exactly as shown on your declarations page. This ensures you will get a price comparison using the same coverage and limits.
The auto insurance companies shown below have been selected to offer free rate quotes in Ohio. If multiple companies are listed, we suggest you compare several of them in order to find the most affordable rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Silverado LTZ Crew Cab 4WD||$680||$340||$57|
|Dodge Grand Caravan Crew||$612||$306||$51|
|Dodge Ram Quad Cab ST 4WD||$878||$439||$73|
|Ford Edge SE AWD||$652||$326||$54|
|Ford Escape XLS 2WD||$682||$341||$57|
|Ford F-150 Lariat Crew Cab 2WD||$706||$353||$59|
|Ford Focus SES 2-Dr Coupe||$792||$396||$66|
|GMC Sierra SL Crew Cab 4WD||$854||$427||$71|
|Honda Accord EX-L 4-Dr Sedan||$484||$242||$40|
|Honda CR-V LX 2WD||$536||$268||$45|
|Honda Civic EX 4-Dr Sedan||$806||$403||$67|
|Honda Odyssey Touring||$822||$411||$69|
|Hyundai Sonata Limited 4-Dr Sedan||$894||$447||$75|
|Nissan Altima 2.5 S 2-Dr Coupe||$894||$447||$75|
|Toyota Camry XLE||$556||$278||$46|
|Toyota Corolla S||$634||$317||$53|
|Toyota Tacoma 4WD||$814||$407||$68|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rates do not factor in specific Strongsville garaging location which can alter premiums substantially.
Higher deductibles lower rates
The information below highlights how deductible selection and can change Kia Optima insurance costs for different categories of driver ages. The rates are based on a single male driver, comp and collision included, and no additional discounts are factored in.
Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.
Rate difference between full and liability-only coverage
The diagram below shows the difference between Hyundai Elantra insurance costs when comparing full coverage to state minimum liability only. The price estimates are based on no tickets, no at-fault accidents, $250 deductibles, married female driver, and no other discounts are factored in.
Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.
Should you pay for full coverage?
There is no definitive formula to delete full coverage, but there is a general convention. If the annual cost of having full coverage is about 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
For example, let's say your Hyundai Elantra settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $6,000 after you pay the deductible. If you are paying in excess of $600 annually for your policy with full coverage, then it might be time to consider dropping full coverage.
There are some situations where dropping physical damage coverage is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Males versus Females
The information below visualizes the comparison of premium costs for male and female drivers in Strongsville. The rates are based on no tickets, no at-fault accidents, full physical damage coverage, $500 deductibles, single marital status, and no discounts are applied on a Ford Fusion Sport.
Ford Fusion rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Save money on auto insurance with these auto insurance discounts
Some providers don't necessarily list every possible discount in a way that's easy to find, so the list below details a few of the more well known in addition to some of the lesser obvious discounts you could be receiving when you buy Strongsville car insurance online.
- Include Life Insurance and Save - Auto insurance companies who offer life insurance give a break if you buy some life insurance in addition to your auto policy.
- Theft Deterrent Discount - Cars and trucks with anti-theft systems are stolen less frequently and will qualify for a discount on a Strongsville car insurance quote.
- More Vehicles More Savings - Insuring all your vehicles with the same company can reduce the rates for all insured vehicles.
- Active Service Discounts - Being deployed with a military unit may lower your prices slightly.
- Senior Citizen Discount - Mature drivers could receive a discount up to 10%.
- Payment Method - If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid the installment charge.
- ABS Braking Discount - Vehicles that have steering control and anti-lock brakes have fewer accidents so companies give up to a 10% discount.
Please keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only reduce individual premiums such as liability and collision coverage. If you do the math and it seems like you can get free auto insurance, that's just not realistic. But all discounts will definitely reduce the cost of your policy.
To locate auto insurance companies that offer the discounts shown above in Ohio, follow this link.
Get more affordable rates by understanding these factors
A large part of saving on insurance is knowing some of the things that help determine your premiums. If you know what influences your rates, this helps enable you to make changes that could help you find better insurance rates.
The itemized list below are some of the things utilized by car insurance companies to help set your prices.
Alarms and GPS tracking lowers premiums - Choosing a vehicle with anti-theft technology or alarm system can help lower your premiums. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent vehicle theft.
Get cheaper prices after the wedding - Being married can actually save you money when shopping for insurance. Having a significant other is viewed as being more stable financially and it's statistically proven that being married results in fewer claims.
Companies want multiple policies - Some insurers provide discounts to people who carry more than one policy. It's known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even with this discount applied, you still need to compare other rates to ensure the best deal.
Teen drivers cost more - Teen drivers in Ohio tend to be easily distracted when driving with friends therefore insurance rates are much higher. If you've ever had to add a beginning driver onto your insurance can break the bank. Older drivers are more cautious drivers, file fewer claims, and are safer drivers.
Drive less and save - The more you drive every year the more you will pay for insurance. Almost all companies charge rates based upon how much you drive. Cars that sit idle most of the time qualify for better rates than vehicles that have high annual mileage. Double check that your insurance policy properly reflects the correct driver usage, because improper ratings can cost you money.
Insurance agent or online?
A small number of people still like to go talk to an agent and doing so can bring peace of mind Agents can make sure you are properly covered and help you file claims. The biggest benefit of comparing rate quotes online is you may find cheap insurance rates and also buy local.
Upon completion of this short form, your coverage information is submitted to agents in your area that provide free Strongsville car insurance quotes to get your business. It's much easier because you don't need to find an agent on your own as quotes are delivered to the email address you provide. If you wish to compare prices from one company in particular, you just need to find their quoting web page and fill out the quote form the provide.
Deciding on an insurance company requires more thought than just a cheap quote. The following questions are important to ask.
- How would your car be valued if totalled?
- How long have they worked with personal auto insurance coverage?
- Can you use your own choice of collision repair facility?
- Will your rates increase after a single accident?
- Are claim adjusters local or do you have to take your car somewhere else?
- Which insurance companies are they affiliated with?
- Can they help ensure a fair claim settlement?
- Which members of your family are coverage by the policy?
Strongsville car insurance agents come in two flavors
When narrowing the list to find a local agent, it's important to understand the types of agencies and how they are distinctly different. Insurance policy providers may be either exclusive or independent. Either type can insure your vehicles, but it's important to point out the difference in the companies they write for since it may influence buying decisions.
Exclusive agencies normally can only provide a single company's rates and examples are Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents are very knowledgeable on what they offer which helps them compete with independent agents.
Independent Insurance Agents
Independent insurance agents are normally appointed by many insurers so they can write business with any number of different companies and get you the best rates possible. To move your coverage to a new company, they simply move your policy to a different company and you don't have to switch agencies. When comparing insurance rates, you will want to get rate quotes from a couple of independent agencies for the best price selection.
Situations that may require an agent's advice
When buying insurance from an agent or online, there really is not a one-size-fits-all type of policy. Your financial needs are unique.
Here are some questions about coverages that may help you determine if your situation might need professional guidance.
- Can my teen drive my company car?
- Is there a penalty for late payment?
- Are combined or split liability limits better?
- What is the difference between personal and commercial auto insurance policies?
- Does insurance cover tools stolen from my truck?
- Do I really need UM/UIM coverage?
- Do I need roadside assistance coverage?
- Are my custom wheels covered?
If it's difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, free and can help protect your family.
Persistence is the key to affordable rates
Insureds leave their current company for any number of reasons including unfair underwriting practices, delays in responding to claim requests, not issuing a premium refund or lack of trust in their agent. Whatever your reason, choosing a new company is not as hard as you think.
Cheap insurance in Strongsville is attainable from both online companies in addition to many Strongsville insurance agents, so get free Strongsville car insurance quotes from both of them in order to have the best chance of saving money. There are still a few companies who do not provide online rate quotes and most of the time these regional carriers only sell through independent insurance agents.
As you go through the steps to switch your coverage, it's very important that you do not sacrifice coverage to reduce premiums. In too many instances, drivers have reduced liability limits or collision coverage only to find out that it was a big error on their part. Your focus should be to buy enough coverage at a price you can afford, but do not sacrifice coverage to save money.
To read more, feel free to visit these articles:
- What is Full Coverage? (Allstate)
- What is the Cheapest Auto Insurance in Beavercreek, OH? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Young Drivers in Ohio? (FAQ)
- What Car Insurance is Cheapest in Cincinnati, Ohio? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Ford F-150 in Ohio? (FAQ)
- What is the Cheapest Car Insurance in Hamilton, Ohio? (FAQ)
- How Much are Ohio Auto Insurance Quotes for Postal Workers? (FAQ)
- What Auto Insurance is Cheapest for Inexperienced Drivers in Ohio? (FAQ)
- Safety Belts FAQ (iihs.org)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Think You're a Safe Driver? (State Farm)