Want to learn a better way to compare more affordable auto insurance rates in Upper Arlington, OH? Upper Arlington buyers have options when searching for the best price on car insurance. They can either waste time contacting agents trying to get quotes or leverage the internet to make rate comparisons. There is a right way and a wrong way to buy auto insurance so we're going to tell you the quickest way to compare rates for a new or used and get the best price possible.

Unbelievable but true, over 70% of Ohio drivers kept their coverage with the same auto insurance company for at least the last four years, and 38% of drivers have never compared rates from other carriers. With the average auto insurance premium being $1,847, U.S. drivers can cut their rates by as much as 46.5% a year by just comparing rate quotes, but most just don't grasp how much they could save if they just switched companies.

It's smart to price shop coverage yearly since insurance rates trend upward over time. Just because you found the best rate on auto insurance a year ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you're going to get a crash course in one of the best ways to find better rates and still maintain coverage.

Car insurance companies in Ohio

The companies shown below are ready to provide price quotes in Upper Arlington, OH. If the list has multiple companies, it's highly recommended you get price quotes from several of them to get the best price comparison.

Insurance Rates for Popular Vehicles in Upper Arlington
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT AWD $600 $300 $50
Chevrolet Silverado LT Extended Cab 4WD $868 $434 $72
Dodge Ram Quad Cab ST 4WD $656 $328 $55
Ford Escape Limited 2WD $752 $376 $63
Ford F-150 Lariat King Ranch 4WD $662 $331 $55
Ford Focus SEL 4-Dr Sedan $622 $311 $52
GMC Sierra SL Extended Cab 2WD $688 $344 $57
Honda Accord EX-L 2-Dr Coupe $890 $445 $74
Honda CR-V EX 2WD $564 $282 $47
Honda Civic LX-S 4-Dr Sedan $606 $303 $51
Honda Odyssey EX-L W/Rear Entertainment $746 $373 $62
Hyundai Elantra Blue 4-Dr Sedan $656 $328 $55
Kia Optima EX $784 $392 $65
Mazda 3 S Grand Touring 4-Dr Sedan $668 $334 $56
Nissan Altima 3.5 SR 4-Dr Sedan $660 $330 $55
Toyota Camry LE $750 $375 $63
Toyota Corolla XLE $952 $476 $79
Toyota RAV4 Limited 2WD $624 $312 $52
Volkswagen Jetta S 4-Dr Sedan $538 $269 $45
Get Your Own Custom Quote Go

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in specific location which can modify auto insurance rates greatly.

Liability-only rates compared to full coverage

The illustration below examines Dodge Ram insurance premiums when comparing full coverage to liability only. The costs are based on no driving violations, no at-fault accidents, $250 deductibles, married male driver, and no additional discounts are factored in.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

Deciding between full coverage and liability only

There is no exact rule for phasing out physical damage coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let's assume your Dodge Ram claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,000 after you pay the deductible. If you are currently paying more than $400 annually to have full coverage, then it might be time to buy liability only.

There are some scenarios where buying only liability insurance is not advised. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should maintain full coverage.

You may qualify for discounts

Some companies don't always advertise every policy discount very clearly, so we break down a few of the more common and also the more inconspicuous discounts that you may qualify for.Auto insurance discounts

Just know that most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like it's possible to get free car insurance, insurance companies wouldn't stay in business.

If you would like to choose from a list of insurers offering auto insurance discounts in Upper Arlington, click here.

Local Upper Arlington car insurance agents and insurance

Many people just prefer to sit down and talk to an agent. Experienced insurance agents can answer important questions and give you someone to call. One of the great benefits of comparing rate quotes online is that you can obtain cheap insurance quotes but also keep your business local.

To make it easy to find an agent, after completing this short form, your insurance data is transmitted to participating agents in Upper Arlington who will give you quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to drive around due to the fact that quote results will go instantly to you. If you want to compare prices from one company in particular, don't hesitate to navigate to their website and submit a quote form there.

Choosing an company should depend on more than just a cheap quote. These are some valid questions you should ask.

If you want to use a reputable agency, it helps to know the two different agency structures to choose from. Insurance policy providers are categorized either exclusive or independent agents depending on their company appointments. Either type can sell and service insurance coverage, but we need to point out the difference between them because it can impact the kind of agent you use.

Exclusive Agencies

Agents that choose to be exclusive can only write with one company and examples are Allstate, State Farm and Farm Bureau. Exclusive agents are unable to compare rates from other companies so always compare other rates. Exclusive agents are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums. Some people will only buy from the same agent for years mostly because of the brand and strong financial ratings.

Independent Insurance Agents

Agents of this type can quote rates with many companies so they can write business with an assortment of companies and potentially find a lower price. If prices rise, the agent simply finds a different carrier and you don't have to find a new agent.

When comparing insurance rates, we recommend you include price quotes from several independent insurance agents so that you can do a thorough price comparison. Most independent agents also contract with small regional insurance companies that may provide cheaper insurance rates.

What insurance coverages do I need?

When it comes to adequate coverage for your vehicles, there isn't really a perfect coverage plan. Your financial needs are unique and your car insurance should be unique as well.Car insurance savings Here are some questions about coverages that can aid in determining if you might need an agent's assistance.

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

Coverages available on your auto insurance policy

Knowing the specifics of your policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. These are the usual coverages offered by auto insurance companies.

Comprehensive coverages - Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, damage from flooding, rock chips in glass, hitting a bird and damage from getting keyed. The maximum amount you'll receive from a claim is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

Comprehensive Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Nissan Xterra BMW M6
Chevy Spark Maserati Quattroporte
Infiniti QX50 Bentley Continental GTC
Chevy Silverado 2500 BMW M6
Smart ForTwo Mercedes-Benz S Class
Nissan Leaf Maserati Granturismo

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Coverage for medical payments - Med pay and PIP coverage provide coverage for immediate expenses for nursing services, X-ray expenses and chiropractic care. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Medical Payment Coverage Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 2500 Kia Forte
Audi A4 Allroad Hyundai Accent
Ford Expedition Dodge Charger
Tesla Model S Chevrolet Spark
Land Rover Range Rover Sport Nissan Versa
Chevrolet Corvette Mitsubishi Mirage

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Collision coverage - This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, hitting a parking meter, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to increase the deductible to bring the cost down.

Collision Coverage Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Smart ForTwo BMW M6
Mini Cooper Maserati Ghibli
Jeep Wrangler Bentley Continental Flying Spur
Nissan Xterra Audi RS7
Ford F-150 SuperCrew Maserati Granturismo
Ford Edge Ferrari 458

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Uninsured and underinsured coverage - This protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your vehicle.

Because many people have only the minimum liability required by law (which is 25/50/25), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability - This protects you from damage that occurs to a person or their property in an accident. It protects you from claims by other people, and doesn't cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like medical services, emergency aid, court costs and medical expenses. How much coverage you buy is your choice, but consider buying as much as you can afford. Ohio requires minimum liability limits of 25/50/25 but it's recommended drivers buy higher limits.

Lowest and Highest Liability Coverage Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Mercedes-Benz SL Class Mitsubishi Lancer
Subaru Outback Hyndai Accent
Fiat 500 Kia Optima
Volvo XC60 Chevrolet Cruze
Subaru Forester Dodge Charger
Acura MDX Mitsubishi Mirage

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Persistence pays off

Low-cost auto insurance in Upper Arlington can be bought from both online companies and also from your neighborhood Upper Arlington agents, so get free Upper Arlington auto insurance quotes from both of them so you have a total pricing picture. Some insurance companies do not provide online quoting and these smaller providers provide coverage only through independent agents.

We covered a lot of information how to reduce auto insurance prices online in Upper Arlington. It's most important to understand that the more quotes you get, the better your chances of lowering your rates. Drivers may even discover the lowest prices are with some of the lesser-known companies. Smaller companies may only write in your state and offer lower rates than their larger competitors like Progressive and GEICO.

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