How many times have you put off comparing quotes for lower-priced insurance rates in Pickerington, OH? Saving money on insurance is always difficult for people new to online comparison shopping. With so many agents and companies, it can easily be hard work to find the best price in Ohio on insurance.

Sadly, the vast majority of drivers kept their policy with the same company for well over three years, and virtually 40% of consumers have never compared rates from other carriers. The average driver in America could cut their rates by roughly $850 a year just by comparing rates, but they don't believe how much money they would save if they moved their coverage to a different company.

Car insurance providers offering cheap rate quotes in Ohio

The companies shown below are our best choices to provide quotes in Ohio. If the list has multiple companies, we suggest you visit several of them to get the most competitive price.

Insurance Rates for Popular Vehicles in Pickerington
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 4WD $912 $456 $76
Chevrolet Malibu LT $612 $306 $51
Chevrolet Silverado LS Extended Cab 4WD $528 $264 $44
Dodge Ram Crew Cab SLT 4WD $832 $416 $69
Ford Edge Limited 2WD $874 $437 $73
Ford Escape Limited 2WD $588 $294 $49
Ford Explorer XLT 4WD $814 $407 $68
Ford F-150 XL Regular Cab 2WD $524 $262 $44
Ford Focus SE 4-Dr Sedan $584 $292 $49
Honda Accord EX 2-Dr Coupe $778 $389 $65
Honda CR-V EX 2WD $678 $339 $57
Honda Civic VP 4-Dr Sedan $806 $403 $67
Honda Odyssey Touring $1,064 $532 $89
Hyundai Elantra SE Touring Station Wagon $734 $367 $61
Nissan Altima 2.5 4-Dr Sedan $716 $358 $60
Nissan Rogue SL AWD $840 $420 $70
Toyota Camry Hybrid $890 $445 $74
Toyota Corolla LE $856 $428 $71
Toyota Tacoma Double Cab TRD Sport Package 4WD $888 $444 $74
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Premium costs do not factor in specific Pickerington garaging location which can increase or decrease prices noticeably.

How accidents and violations affect rates

The chart below shows how speeding tickets and accidents impact Chevrolet Malibu car insurance costs for different age categories. Data assumes a single female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

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

Rate comparison of full coverage and liability-only

The example below shows the comparison of Chevrolet Tahoe car insurance rates with and without physical damage coverage. The data assumes no claims or driving violations, $100 deductibles, married female driver, and no additional discounts are factored in.

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

Should you be buying full coverage?

There is no exact rule to stop buying physical damage coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is about 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let's pretend your Chevrolet Tahoe settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $4,000 after paying your policy deductible. If it's costing in excess of $400 annually for your policy with full coverage, then you might want to think about dropping full coverage.

There are some conditions where dropping full coverage is not financially feasible. If you still owe a portion of the original loan, you must maintain physical damage coverage to protect the lienholder's interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Insurance discounts are available to cut your rates

Auto insurance companies don't always advertise every disount available very well, so below is a list a few of the more common and also the more inconspicuous discounts that you can inquire about if you buy Pickerington car insurance online. If you do not double check each discount possible, you could be paying more than you need to.Insurance discounts

It's important to note that most discounts do not apply to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. So even though they make it sound like you can get free auto insurance, insurance companies aren't that generous. Any qualifying discounts should definitely cut the cost of your policy.

If you would like to see a list of insurance companies with discount insurance rates in Ohio, click here to view.

Do I just need basic coverages?

When buying a policy, there really isn't a cookie cutter policy. You are unique.Safe vehicles cost less to insure

These are some specific questions may help highlight whether your personal situation would benefit from an agent's advice.

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

When to contact a local insurance agent

Many drivers still prefer to sit down and talk to an agent and doing that can be a smart decision The biggest benefit of comparing rates online is that drivers can save money and get cheap auto insurance quotes and still choose a local agent. Putting coverage with local insurance agencies is important especially in Pickerington.

Insurance agents in PickeringtonBy using this quick form, the coverage information is instantly submitted to agents in your area that can provide free Pickerington car insurance quotes for your insurance coverage. It's much easier because you don't need to contact an agency because quoted prices will be sent to you. Get lower rates without the usual hassles of price shopping. If for some reason you want to get a comparison quote from one company in particular, feel free to navigate to their website and fill out the quote form the provide.

Selecting an provider requires you to look at more than just the price. Here are some questions you should ask.

After talking to the agent and getting good answers for all questions you ask and locked in a price quote, it's a good possibility that you have found an insurance company that is reliable enough to provide auto insurance coverage.

Save 15 percent in 15 minutes? Is it for real?

Insurance providers like Progressive, GEICO, Allstate and State Farm endlessly run television, radio, and online ads. They all seem to tend to make the same promise about how much you will save just by moving to their company. How is it possible that every company can save you money on insurance? You have to listen carefully.

Companies quote their cheapest rates for the type of insured that makes them money. For example, a profitable insured might be over age 30, has no driving citations, and drives a lower-performance vehicle. Any new insured that meets those criteria will get very good Pickerington rates and will save a lot of money.

Consumers who are not a match for this ideal profile may receive a more expensive rate which leads to the customer not purchasing. The ads say "people who switch" not "everybody who quotes" save the amount stated. That is how companies can truthfully claim big savings.

Because every company is different, you absolutely need to get as many free Pickerington car insurance quotes as possible. It is impossible to predict with any certainty which company will have the lowest rate quotes.

Insurance claim statistics

What are the chances of a claim? The following tables list the highest and lowest manufacturer models for the overall chance of having large claims for each type of coverage listed.

Vehicles with the Lowest and Highest Car Insurance Collision Claims
Lowest Claim Frequency Highest Claim Frequency
Smart ForTwo Bently Continental GT
Ford F-150 SuperCrew BMW M6
Mini Cooper Nissan GT-R
Chevrolet Colorado Maserati Granturismo
Ford Edge BMW 6 Series
Ford F-250 SuperCab Audi RS7

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

Vehicle Make and Models with the Lowest and Highest Medical Payment Claims
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 2500 Mitsubishi Lancer
Ford F-250 SuperCrew Chevrolet Spark
Audi A4 Allroad Kia Forte
Chevrolet Corvette Chevrolet Sonic
Ford Expedition Dodge Charger
Ford F-350 SuperCrew Nissan Versa

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

Lowest and Highest Auto Insurance Comprehensive Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Nissan Xterra Maserati Quattroporte
Nissan Leaf BMW M6
Infiniti QX50 Mercedes-Benz S Class
Chevy Silverado 2500 Bentley Continental GT
Chevy Spark Maserati Granturismo
GMC Sierra 2500 Audi S7

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

Auto Insurance Liability Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Corvette Mitsubishi Mirage
Subaru Outback Chevrolet Cruze
Audi A6 Hyndai Accent
Subaru Forester Chrysler 200
Acura MDX Kia Optima
Mercedes-Benz SL Class Dodge Charger

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

More comparisons equals cheaper rates

People change insurance companies for a number of reasons such as policy non-renewal, unfair underwriting practices, questionable increases in premium and being labeled a high risk driver. Regardless of your reason, choosing a new company is less work than it seems.

Cost effective auto insurance is definitely available online and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some auto insurance companies may not provide rate quotes online and usually these small, regional companies prefer to sell through independent agents.

When shopping online for auto insurance, it's a bad idea to sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed liability limits or collision coverage only to find out that it was a big mistake. Your strategy should be to purchase plenty of coverage at a price you can afford.

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