Has it been over a year since you last compared quotes for low-cost car insurance rates in Westerville, OH? Paying cheap rates for car insurance is slightly frustrating for drivers who are beginners to online comparison shopping. With such a large number of companies competing online, it can easily turn into a chore to find the best price in Ohio on car insurance.

Shockingly, most consumers have stayed with the same insurance company for at least the last four years, and nearly the majority have never compared rates from other carriers. The average driver in Ohio could save roughly $700 each year by just shopping around, but they just feel it's too hard to compare rate quotes online.

If you currently have a car insurance policy, you will surely be able to reduce the price you pay using this information. Finding and buying the best-priced car insurance in Westerville is simple if you know the tricks. Although Ohio consumers need to learn how the larger insurance companies charge you for coverage and apply this information to your search.

The easiest way to compare insurance rates in your area is to know the fact most of the larger companies have advanced systems to provide you with free rate quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details such as how old drivers are, any included safety features, the year, make and model of vehicles, and how many miles driven. Those rating factors is then submitted to multiple companies and you receive quotes instantly.

To compare rates now, click here and find out if lower rates are available in Westerville.

The providers in the list below have been selected to offer free rate quotes in Ohio. If multiple companies are shown, we recommend you compare several of them in order to find the cheapest rates.

Insurance Rate Estimates for Popular Vehicles in Westerville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Extended Cab 4WD $786 $393 $66
Dodge Grand Caravan Hero $668 $334 $56
Dodge Ram Quad Cab Laramie 2WD $880 $440 $73
Ford Escape XLT 2WD $582 $291 $49
Ford Explorer Eddie Bauer 4WD $804 $402 $67
Ford F-150 STX Regular Cab 4WD $638 $319 $53
Ford Focus SES 4-Dr Sedan $622 $311 $52
Ford Fusion SE 4-Dr Sedan $648 $324 $54
Honda Accord LX 4-Dr Sedan $496 $248 $41
Honda CR-V EX 2WD $634 $317 $53
Honda Civic DX 4-Dr Sedan $792 $396 $66
Hyundai Sonata SE 4-Dr Sedan $792 $396 $66
Jeep Wrangler Sport Islander Package 4WD 2-Dr $488 $244 $41
Nissan Altima 3.5 SR 2-Dr Coupe $812 $406 $68
Toyota Camry LE $538 $269 $45
Toyota Corolla XRS $566 $283 $47
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in specific zip code location which can impact coverage rates noticeably.

An analysis of deductible level

The information below shows how choosing a deductible and can influence Hyundai Elantra insurance costs for different age groups of insureds. The prices are based on a single female driver, full coverage, and no policy discounts are applied.

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

Verify you're earning every discount

Companies offering auto insurance do not list every policy discount in a way that's easy to find, so the list below details a few of the more well known and the harder-to-find credits that may apply to you.Save money with discounts

Please keep in mind that some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, it's just not the way it works.

Insurance companies who may offer these money-saving discounts possibly include:

It's a good idea to ask all companies you are considering which discounts they offer. Some of the discounts discussed earlier might not be offered on policies in Westerville.

Buying from insurance agents

Many people still prefer to buy from a local agent. A good thing about getting online price quotes is the fact that drivers can get cheap insurance rates and still choose a local agent.

Insurance agents in WestervilleUpon completion of this simple form, your information gets sent to participating agents in Westerville who will give competitive quotes for your insurance coverage. There is no need to contact an agency since rate quotes are delivered straight to your inbox. You can find lower rates AND a local agent. If you wish to quote rates from a particular provider, don't hesitate to find their quoting web page to submit a rate quote request.

Selecting a provider shouldn't rely on just a cheap quote. Any agent in Westerville should be forthright in answering these questions:

If you want a reputable agency, it can be helpful to understand the different types of agents and how they differ in how they can insure your vehicles. Insurance policy providers can be described as either exclusive agents or independent agents.

Exclusive Agencies

Agents in the exclusive channel generally can only insure with one company like AAA, Allstate, State Farm, or Farmers Insurance. These agents are unable to place coverage with different providers so they really need to provide good service. They are trained well in insurance sales which helps offset the inability to provide other markets. Some consumers prefer to buy insurance from these agents mainly due to loyalty to the company and solid financial strength.

Independent Agents

These agents are not locked into one company and that is an advantage because they can write policies through many companies enabling the ability to shop coverage around. If they find a lower price, they simply move the coverage in-house which is easy for the insured.

When shopping rates, it's a good idea to get several quotes from a couple of independent agencies so that you have a good selection of quotes to compare. Many write coverage with companies that do not advertise much which may have better rates.

Make good decisions and reduce your rates

Many factors are used in the calculation when pricing auto insurance. Some factors are common sense like an MVR report, although others are less apparent like your vehicle usage or your financial responsibility. An important part of buying insurance is that you know the different types of things that are used to determine your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could result in big savings.

Remove unneeded extra policy coverages - There are a lot of extra add-on coverages that sound like a good idea at the time if you don't pay attention. Coverages like rental car coverage, better glass coverage, and Farm Bureau memberships may be costing you every month. They may seem like a good idea initially, but your needs may have changed so remove them from your policy.

Excellent credit saves on insurance - Your credit rating can be a huge factor in your rate calculation. Insureds with very high credit ratings tend to be more responsible than those with worse credit. Therefore, if your credit is not that good, you could be paying less to insure your vehicle if you improve your credit rating.

Don't get traffic citations - Having a clean driving record has a big impact on rates. Drivers who don't get tickets get better rates than people who have multiple driving citations. Only having one chargeable violation can bump up the cost by as much as twenty percent. Drivers who get flagrant citations such as reckless driving or DUI may find they need to file a SR-22 with their state's licensing department in order to continue driving.

Use but don't abuse your insurance - If you are a frequent claim filer, you can expect increased rates or even have your policy non-renewed. Insurance companies in Ohio give the lowest premiums to insureds who do not rely on their insurance for small claims. Your car insurance is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.

Less chance of injury means lower prices - Cars with high safety ratings tend to have lower insurance rates. Safe vehicles protect occupants better and better occupant protection means your insurance company pays less which can result in lower premiums.

Premiums are lower the older you get - Beginning drivers in Ohio have a tendency to be more careless behind the wheel so insurance rates are higher. Adding a youthful driver to your insurance policy can really hurt. Older people are more cautious drivers, file fewer claims, and receive fewer citations.

Having a spouse can save you money - Walking down the aisle helps lower the price on your insurance policy. Having a significant other means you're less irresponsible and statistics prove married drivers tend to file fewer claims.

Insuring your vehicle just makes sense

Despite the high cost of buying insurance in Westerville, paying for auto insurance is required for several reasons.

First, just about all states have compulsory liability insurance requirements which means the state requires a minimum amount of liability protection if you don't want to risk a ticket. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you bought your vehicle with a loan, almost all lenders will stipulate that you have physical damage coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank may buy a policy for your vehicle at a significantly higher premium and force you to pay for it.

Third, auto insurance preserves your vehicle and your assets. It will also cover medical expenses incurred in an accident. As part of your policy, liability insurance will also pay attorney fees if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of having auto insurance outweigh the cost, especially with large liability claims. According to a recent study, the average American driver is currently overpaying as much as $750 every year so it's very important to do a rate comparison once a year at a minimum to ensure rates are inline.

Best and worst vehicle claim statistics

Are you driving a vehicle that ranks well for claims? The next tables outline the good and bad makes and models for the probability of having to file claims for each type of coverage listed.

Medical Payment Claims by Vehicle
Lowest Claims Highest Claims
Ford F-350 SuperCrew Chevrolet Spark
Ford F-250 SuperCrew Dodge Charger
Chevrolet Corvette Nissan Versa
Chevrolet Silverado 3500 Mitsubishi Lancer
Chevrolet Silverado 2500 Chrysler 200
Ford Expedition Kia Forte

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

Liability Coverage Claims by Vehicle
Lowest Claims Highest Claims
Chevrolet Corvette Chevrolet Impala
Subaru Outback Chrysler 200
Audi A6 Mitsubishi Mirage
Volvo XC60 Kia Optima
Mercedes-Benz SL Class Chevrolet Cruze
Acura MDX Chevrolet Sonic

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

Car Insurance Collision Claims by Vehicle Model
Lowest Claims Highest Claims
Ford F-250 SuperCab Maserati Granturismo
Mini Cooper Bently Continental GTC
Jeep Wrangler Audi RS7
Ford F-150 SuperCrew Nissan GT-R
Nissan Xterra BMW 6 Series
Chevrolet Colorado Ferrari 458

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

Auto Insurance Comprehensive Claims by Manufacturer Model
Lowest Claims Highest Claims
Infiniti QX50 BMW M6
Nissan Xterra Bentley Continental GTC
Nissan Leaf Porsche Panamera GTS
GMC Sierra 2500 Audi S7
Chevy Silverado 2500 Mercedes-Benz S Class
Smart ForTwo BMW M6

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

Cheaper car insurance is a realistic goal

Some insurance companies may not offer online rate quotes and usually these smaller providers work with local independent agencies. Discount car insurance can be found from both online companies as well as from independent agents in Westerville, so you should compare both so you have a total pricing picture.

We've covered some good ideas how to save on car insurance in Westerville. The most important thing to understand is the more you quote Westerville auto insurance, the better chance you'll have of finding cheaper Westerville auto insurance quotes. Consumers could even find that the lowest priced car insurance comes from a company that doesn't do a lot of advertising.

When you buy Westerville auto insurance online, it's very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut liability coverage limits to discover at claim time that they should have had better coverage. The ultimate goal is to get the best coverage possible for the lowest cost, not the least amount of coverage.

Additional detailed information is located at these sites: