Do you need a better way to compare lower-priced car insurance rates in Garfield Heights, OH? Do you think you bought overpriced car insurance? You're in good company because many Garfield Heights consumers feel financially strained by their car insurance policy.

Astonishing but true, the vast majority of drivers have bought car insurance from the same company for over three years, and nearly half have never quoted car insurance rates at all. Garfield Heights drivers can cut their rates by almost $700 a year just by comparing rates, but they don't believe the rate savings if they moved their coverage to a different company.

Due to the increasing number of choices, it's nearly impossible to find the right insurer.

It's smart to do price comparisons before your next renewal because insurance prices change frequently. Even if you think you had the best price on car insurance six months ago the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because it's time to teach you the best way to find better rates and still maintain coverage.

Garfield Heights insurance costs are influenced by these factors

Many different elements are considered when pricing auto insurance. Some are obvious like an MVR report, although others are more transparent like your vehicle usage or how financially stable you are. Smart consumers have a good feel for the rating factors that play a part in calculating insurance rates. If you have a feel for what controls the rates you pay, this allows you to make good choices that could result in much lower annual insurance costs.

The list below includes a few of the "ingredients" insurance companies consider when setting your rates.

Just remember that quoting more provides better odds of finding the best price.

The companies in the list below are our best choices to provide free quotes in Ohio. If more than one company is shown, we suggest you visit as many as you can to get the cheapest price.

Insurance Price Estimates for Popular Vehicles in Garfield Heights
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS 2WD $904 $452 $75
Chevrolet Impala LT $868 $434 $72
Chevrolet Malibu LTZ $852 $426 $71
Chevrolet Silverado LT Crew Cab 4WD $776 $388 $65
Dodge Ram Crew Cab Sport 2WD $686 $343 $57
Ford Escape XLT 2WD $496 $248 $41
Ford Explorer XLT 2WD $628 $314 $52
Ford F-150 XL Crew Cab 2WD $592 $296 $49
Ford Focus SE 4-Dr Sedan $652 $326 $54
Honda Accord EX-L 4-Dr Sedan $842 $421 $70
Honda CR-V EX-L 4WD $530 $265 $44
Honda Civic LX 4-Dr Sedan $716 $358 $60
Hyundai Elantra SE Touring Station Wagon $726 $363 $61
Kia Optima SX $788 $394 $66
Nissan Altima 2.5 S 2-Dr Coupe $1,014 $507 $85
Nissan Rogue SL 2WD $922 $461 $77
Toyota Camry XLE $722 $361 $60
Toyota Corolla LE $840 $420 $70
Toyota Tacoma Double Cab 4WD $764 $382 $64
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Table data does not factor in specific zip code location which can affect price quotes substantially.

Comparison of policy deductibles

The chart below shows how different deductible levels and can raise or lower Ford F-150 yearly insurance costs for different age groups. The information is based on a single male driver, comp and collision included, and no other discounts are factored in.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

Where to set your deductibles

One of the more difficult decisions when buying auto insurance is where to set your physical damage deductibles. The tables below can help illustrate how much more rates are between low and high policy deductibles. The first set of rates uses a $250 deductible for physical damage and the second pricing table uses a $1,000 deductible.

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

Honda Pilot insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $176 $242 $226 $14 $68 $751 $63
Pilot EX 2WD $198 $242 $226 $14 $68 $773 $64
Pilot EX 4WD $198 $242 $226 $14 $68 $773 $64
Pilot EX-L 2WD $198 $296 $226 $14 $68 $827 $69
Pilot EX-L 4WD $198 $296 $226 $14 $68 $827 $69
Pilot Touring 2WD $198 $296 $226 $14 $68 $827 $69
Pilot Touring 4WD $198 $296 $226 $14 $68 $827 $69
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Honda Pilot insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $108 $152 $226 $14 $68 $568 $47
Pilot EX 2WD $122 $152 $226 $14 $68 $582 $49
Pilot EX 4WD $122 $152 $226 $14 $68 $582 $49
Pilot EX-L 2WD $122 $186 $226 $14 $68 $616 $51
Pilot EX-L 4WD $122 $186 $226 $14 $68 $616 $51
Pilot Touring 2WD $122 $186 $226 $14 $68 $616 $51
Pilot Touring 4WD $122 $186 $226 $14 $68 $616 $51
Get a Quote for Your Vehicle Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price information does not factor in specific Garfield Heights garaging location which can decrease or increase coverage prices greatly.

We can estimate from the data above that using a $250 deductible costs roughly $17 more each month or $204 each year than quoting the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 44 months between claim filings, you would probably be better off if you choose a higher deductible. The illustration below shows an example of how you can decide this on your own policy.

Average monthly premium for $250 deductibles: $67
Average monthly premium for $1,000 deductibles (subtract): - $50
Monthly savings from raising deductible: $17
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 44 months

One important note is that a higher deductible level results in having to pay to pay more out-of-pocket when you have a physical damage claim. That will require enough money in the bank in the event you have to pay the deductible for vehicle repair.

Comparison of auto insurance rates by gender

The diagram below visualizes the comparison of insurance premiums for male and female drivers in Garfield Heights. The prices are based on no violations or accidents, comp and collision included, $1,000 deductibles, drivers are not married, and no other discounts are factored in on a Chevrolet Tahoe LT.

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

Can you really save that much by switching?

Companies like Allstate, GEICO and Progressive regularly use ads on television and other media. They all advertise claims that people will save after switching to their company. But how can every company cost less than your current company?

Many companies have a certain "appetite" for the type of driver that earns them a profit. For instance, a profitable risk profile should be between 30 and 50, has had continuous coverage, and drives a safe vehicle. Someone who matches that profile will probably get cheap prices and will probably cut their auto insurance rates if they switch.

Insureds who do not match this ideal profile may be required to pay higher premiums which usually ends up with business going elsewhere. If you listen to the ad wording, they say "customers who switch" but not "everyone who gets a quote" will save that much if they switch. This is how insurance companies can state the savings. Each company has different criteria, so you really need to quote coverage with many companies. Because without a comparison, you cannot know which insurance companies will have the lowest rate quotes.

Auto insurance is an important decision

Despite the fact that auto insurance is not cheap in Garfield Heights, paying for auto insurance serves an important purpose.

The benefits of buying enough insurance outweigh the cost, especially for larger claims. On average, a vehicle owner in Garfield Heights is overpaying over $865 each year so you should quote your policy with other companies every year to make sure the price is not too high.

Check for these price cutting discounts

Insuring your fleet can be pricey, but there are discounts available to reduce the price significantly. A few discounts will be applied when you purchase, but a few need to be inquired about before you get the savings.Discount car insurance

You can save money using discounts, but most credits do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you could get a free car insurance policy, that's just not realistic.

Large car insurance companies and a selection of discounts can be read below.

When getting a coverage quote, ask every insurance company to apply every possible discount. Some credits may not apply in your area.

Are car insurance agents of importance?

Many drivers still prefer to go talk to an agent and doing that can be a smart decision One of the great benefits of getting free rate quotes online is that you can obtain cheap insurance rates but also keep your business local.

Insurance agency in Garfield HeightsTo find an agent, once you fill out this quick form, your insurance coverage information gets sent to insurance agents in Garfield Heights who will give you bids and help you find cheaper coverage. You never need to search for an agent since rate quotes are delivered directly to your email. Get lower rates without having to waste a lot of time. If you need to compare rates from a specific insurance company, you would need to go to their quote page and complete a quote there.

Selecting a insurance company should depend on more than just the price. You should also get answers to these questions.

Exclusive agents vs. Independent agents

If you want a good Garfield Heights insurance agent, it helps to know the two types of insurance agents to choose from. Agents in Garfield Heights can be described as either independent or exclusive depending on the company they work for.

Exclusive Insurance Agencies

Agents that choose to be exclusive can only provide pricing for a single company like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agencies are unable to compare other company's rates so it's a take it or leave it situation. These agents are trained well in insurance sales and that can be a competitive advantage.

Independent Agents

These type of agents do not write with just one company so as a result can place your coverage through lots of different companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies and you stay with the same agent.

When comparing insurance rates, you absolutely need to get rate quotes from a few independent agents to have the best price comparison.

Persistence is the key to cheaper rates

We covered a lot of techniques to reduce car insurance rates online in Garfield Heights. The key concept to understand is the more rate quotes you have, the better your chances of lowering your auto insurance rates. You may even be surprised to find that the best rates are with some of the lesser-known companies. Regional companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

The cheapest car insurance in Garfield Heights is possible on the web and with local Garfield Heights insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies may not provide online price quotes and usually these smaller providers only sell coverage through independent insurance agents.

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