How many times have you told yourself to find lower-priced insurance rates in Chillicothe, OH? Chillicothe consumers have a choice when looking for low-cost car insurance. You can either spend your time calling around trying to get quotes or use the internet to find the lowest rates.
There are more efficient ways to compare insurance rates so you're going to learn the proper way to quote coverages for your and find the lowest possible price from both online companies and Chillicothe agents.
Shocking but true, about 70% of customers kept their policy with the same company for at least four years, and nearly half have never compared insurance rates at all. With the average insurance premium being $1,847, American drivers can cut their rates by as much as 46.5% a year, but they don't believe the benefits if they switched to a cheaper policy.
Smart consumers take time to compare prices at least once a year because insurance prices are variable and change quite frequently. If you had the lowest price on insurance two years ago you can probably find a lower rate today. Forget all the misinformation about insurance because I'm going to let you in on the secrets to the only way to eliminate unnecessary coverages and save money on insurance.
Our objective in writing this article is to instruct you on the most effective way to quote insurance and some money-saving tips. If you have insurance now, you will be able to save money using the techniques presented in this article. Consumers only need to know the fastest way to compare price quotes over the internet.
Don't overlook these insurance discounts
Insurance is easily one of your largest bills, but companies offer discounts that many consumers don't even know exist. A few discounts will automatically apply when you complete an application, but a few must be manually applied prior to getting the savings.
- Multiple Cars - Drivers who insure multiple vehicles on a single policy can get a discount on all vehicles.
- Accident Forgiveness - This one is not really a discount per se, but a few companies such as Liberty Mutual and GEICO will allow you to have one accident before they charge you more for coverage if you have no claims for a certain period of time.
- Student Discount for Driver Training - Have your child successfully take a driver's education course in school.
- Anti-lock Brakes - Anti-lock brake equipped vehicles are much safer to drive and will save you 10% or more.
- Full Payment Discount - By paying your policy upfront instead of paying each month you could save up to 5%.
- College Student Discount - Children who are enrolled in higher education away from home and leave their car at home could qualify for this discount.
- Accident Free - Good drivers with no accidents pay much less when compared to drivers who are more careless.
- Discount for Life Insurance - Not all insurance companies offer life insurance, but some may give you a lower premium rate if you buy auto and life insurance together.
- Discount for Low Mileage - Fewer annual miles could qualify for cheaper insurance rates.
- Senior Citizen Discount - If you qualify as a senior citizen, you may be able to get reduced rates.
Don't be surprised that most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. So when it seems like you could get a free insurance policy, you aren't that lucky.
If you would like to see a list of providers who offer online insurance quotes in Chillicothe, click here.
Getting more affordable auto insurance pricing is not a difficult process. The only requirement is to invest a little time to get quotes from some recommended companies.
The companies shown below are ready to provide quotes in Ohio. If multiple companies are shown, it's highly recommended you visit several of them to get a more complete price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LTZ AWD||$566||$283||$47|
|Chevrolet Malibu LT||$732||$366||$61|
|Chevrolet Silverado LTZ Crew Cab 4WD||$850||$425||$71|
|Dodge Ram Crew Cab ST 2WD||$878||$439||$73|
|Ford Escape XLT 2WD||$678||$339||$57|
|Ford F-150 XL Crew Cab 2WD||$844||$422||$70|
|Ford Focus SEL 4-Dr Sedan||$656||$328||$55|
|Honda Accord LX 4-Dr Sedan||$564||$282||$47|
|Honda CR-V EX-L 4WD||$662||$331||$55|
|Honda Civic EX 2-Dr Coupe||$740||$370||$62|
|Honda Odyssey EX-L||$1,038||$519||$87|
|Hyundai Elantra GLS 4-Dr Sedan||$722||$361||$60|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$600||$300||$50|
|Mazda 3 S Sport 4-Dr Hatchback||$668||$334||$56|
|Nissan Altima Hybrid 4-Dr Sedan||$746||$373||$62|
|Toyota Camry Hybrid||$820||$410||$68|
|Toyota Corolla XRS||$632||$316||$53|
|Get Your Own Custom Quote Go|
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rates do not factor in zip code location which can lower or raise coverage rates substantially.
Should you raise deductibles?
When comparing car insurance rates, the most common question is how high should your deductibles be. The data tables below illustrate the rate differences when you select higher and lower deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.
Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Elantra GLS Touring Station Wagon||$170||$290||$192||$12||$58||$747||$62|
|Elantra Blue 4-Dr Sedan||$170||$416||$226||$14||$68||$919||$77|
|Elantra GLS 4-Dr Sedan||$196||$416||$226||$14||$68||$945||$79|
|Elantra SE 4-Dr Sedan||$196||$416||$226||$14||$68||$945||$79|
|Elantra SE Touring Station Wagon||$196||$352||$192||$12||$58||$835||$70|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Elantra GLS Touring Station Wagon||$94||$152||$192||$12||$58||$508||$42|
|Elantra Blue 4-Dr Sedan||$94||$220||$226||$14||$68||$622||$52|
|Elantra GLS 4-Dr Sedan||$108||$220||$226||$14||$68||$636||$53|
|Elantra SE 4-Dr Sedan||$108||$220||$226||$14||$68||$636||$53|
|Elantra SE Touring Station Wagon||$108||$186||$192||$12||$58||$556||$46|
|Get a Quote for Your Vehicle Go|
Table data represents 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. Information does not factor in vehicle location which can alter premium rates greatly.
Based on the above data, using a $100 deductible will cost you approximately $24 more each month or $288 each year than quoting the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 38 months between claims, you would probably save some money if you opt for a higher deductible. Here's how this determination is made.
|Average monthly premium for $100 deductibles:||$73|
|Average monthly premium for $1,000 deductibles (subtract):||- $49|
|Monthly savings from raising deductible:||$24|
|Difference between deductibles ($1,000 - $100):||$900|
|Divide difference by monthly savings:||$900 / $24|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||38 months|
An important sidenote is that a higher deductible level results in more money out-of-pocket when you have a claim. That will require some savings in order to pay the deductible to have repairs made.
Responsible drivers pay cheaper car insurance rates
The illustration below illustrates how violations and at-fault accidents can increase Ford Focus insurance costs for different age categories. The premiums assume a married male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.
Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.
Comparing quotes from local Chillicothe insurance agencies
Some consumers just prefer to get professional advice from a licensed agent and that is a personal choice. Good agents can help you build your policy and help file insurance claims. One of the best bonuses of comparing auto insurance online is the fact that drivers can get cheap auto insurance rates and still have a local agent. And providing support for local agents is especially important in Chillicothe.
After completing this form (opens in new window), the quote information is instantly submitted to local insurance agents in Chillicothe that can give you free Chillicothe car insurance quotes for your insurance coverage. You won't even need to do any legwork due to the fact that quote results will go to you. If you want to get a rate quote from a specific company, don't hesitate to visit that company's website to submit a rate quote request.
If you need to find a reliable insurance agency, you should know the different agency structures and how they can write your policy. Auto insurance policy providers are classified as either independent agents or exclusive agents. Both types of agents can write auto insurance policies, but it's worth learning how they differ since it may influence buying decisions.
Independent Auto Insurance Agents (or Brokers)
Independent agencies often have many company appointments so as a result can place your coverage through many companies and find you the best rates. If they find a cheaper price, an independent agent can move your coverage and you stay with the same agent.
When comparing rate quotes, we recommend you include price quotes from at a minimum one independent agency to have the most options to choose from. Many independent agencies also insure through small mutual carriers which can save you money.
Agents that elect to be exclusive can only provide one company's prices such as Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to compare other company's rates so you need to shop around if the rates are high. Exclusive agents are well schooled on what they offer which helps them compete with independent agents. A lot of people use the same exclusive agent partially due to the brand name and solid financial strength.
Picking a insurance agency needs to be determined by more than just the premium amount. Here are some questions you should ask.
- In the event of vehicle damage, can you pick the collision repair facility?
- Can they help ensure a fair claim settlement?
- How much experience to they have in personal lines coverages?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Do you need full coverage on every vehicle?
- When do they do a full risk review?
- Does the company have a local claim office in Chillicothe?
- Do they assist clients in filing claims?
Quote more to save more
Discount auto insurance in Chillicothe is available on the web and from local insurance agents, so get free Chillicothe car insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies do not offer internet price quotes and usually these small, regional companies prefer to sell through independent agents.
We've covered a lot of techniques to find cheaper coverage online. It's most important to understand that the more price quotes you have, the higher your chance of finding the cheapest Chillicothe car insurance quotes. Consumers could even find that the best price on auto insurance is with the smaller companies.
As you go through the steps to switch your coverage, never skimp on coverage in order to save money. In too many instances, someone sacrificed uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at the best price.
For more information, link through to the articles below:
- Driving in Bad Weather (Insurance Information Institute)
- How Much are Car Insurance Rates for Business Use in Ohio? (FAQ)
- What is the Best Car Insurance in Youngstown, Ohio? (FAQ)
- Who Has Cheap Ohio Car Insurance Rates for Low Income Drivers? (FAQ)
- How Much are Auto Insurance Quotes for Homeowners in Ohio? (FAQ)
- What Auto Insurance is Cheapest with Multiple Speeding Tickets in Ohio? (FAQ)
- How Much are Car Insurance Quotes in Ohio? (FAQ)
- Who Has Affordable Ohio Car Insurance Rates for Drivers Over Age 60? (FAQ)
- Who Has Cheap Ohio Auto Insurance Quotes for Infrequent Drivers? (FAQ)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Credit Impacts Car Insurance Rates (State Farm)
- Neck Injury FAQ (iihs.org)