Would you prefer to buy more competitive insurance rates in Fairview Park, OH? Having to pay for overpriced insurance in Fairview Park can stress out your budget and force you to cut corners elsewhere. Doing a rate comparison is a great way to make sure you're not throwing money away.

Amazingly, most insurance customers have been with the same company for well over three years, and virtually 40% of consumers have never even compared quotes to find affordable rates. Fairview Park consumers can save as much as $700 each year just by shopping around, but they mistakenly think it's difficult to find affordable insurance rates. Many insurance companies compete for your insurance dollar, so it can be very hard to choose a provider to discover the definitive lowest price on insurance.

It's important to check insurance prices once or twice a year because insurance prices trend upward over time. If you had the best deal on insurance six months ago there is a good chance you can find better rates now. Ignore everything you know about insurance because I'm going to let you in on the secrets to the things you must know in order to lower your rates without sacrificing coverage.

If you already have coverage or need new coverage, follow these tips to shop for the lowest rates without having to cut coverage. Locating the best rates in Fairview Park is really quite easy. Drivers just have to understand the most effective way to shop their coverage around using one simple form.

The providers in the list below are our best choices to provide free rate quotes in Fairview Park, OH. If multiple companies are shown, we suggest you get rates from several of them to find the lowest auto insurance rates.

Insurance Rate Estimates for Popular Vehicles in Fairview Park
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $760 $380 $63
Chevrolet Malibu LTZ $578 $289 $48
Chevrolet Silverado Crew Cab Hybrid 4WD $920 $460 $77
Dodge Grand Caravan Crew $720 $360 $60
Dodge Ram Crew Cab TRX 4WD $802 $401 $67
Ford Escape XLS 2WD $564 $282 $47
Ford F-150 FX4 4WD $730 $365 $61
Ford Focus SES 2-Dr Coupe $702 $351 $59
Honda Accord LX-P 4-Dr Sedan $508 $254 $42
Honda CR-V LX 4WD $656 $328 $55
Honda Civic SI 2-Dr Coupe $806 $403 $67
Honda Odyssey EX W/Rear Entertainment $612 $306 $51
Nissan Altima Hybrid 4-Dr Sedan $818 $409 $68
Toyota Camry XLE $618 $309 $52
Toyota Corolla S $944 $472 $79
Toyota RAV4 Limited 2WD $588 $294 $49
Get Your Own Custom Quote Go

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Information does not factor in Fairview Park location which can affect premium rates significantly.

Impact of careless driving on auto insurance rates

The chart below demonstrates how speeding tickets and accidents can impact Chevrolet Silverado yearly insurance costs for each different age group. The rates are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are applied.

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

Gender-based auto insurance rates in Fairview Park

The example below shows the difference between insurance prices for male and female drivers in Fairview Park. The premiums are based on no accidents, no driving violations, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are applied on a Chevrolet Tahoe LS.

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

Get cheaper auto insurance with discounts

Auto insurance is easily one of your largest bills, but you may be missing some discounts that can drop the cost substantially. Some discounts apply automatically when you complete an application, but a few need to be inquired about before being credited.Discount auto insurance

Don't be surprised that many deductions do not apply to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, you aren't that lucky.

A few popular companies and some of the discounts are shown below.

Before purchasing a policy, check with every prospective company which discounts can lower your rates. Savings might not be available to policyholders in Fairview Park.

How to lower your car insurance premiums

Many factors are used in the calculation when pricing auto insurance. Some are obvious like a motor vehicle report, but other factors are not quite as obvious like your continuous coverage or how safe your car is. When buying car insurance it's important to understand the different types of things that aid in calculating the rates you pay for car insurance. When you know what positively or negatively influences your rates, this enables you to make decisions that could result in lower car insurance prices.

The itemized list below are some of the items used by companies to determine rates.

Why you need to buy auto insurance

Even though it's not necessarily cheap to insure a vehicle in Fairview Park, buying auto insurance may be required and benefits you in several ways.

First, just about all states have compulsory liability insurance requirements which means the state requires a minimum amount of liability insurance if you drive a vehicle. 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 took out a loan on your car, almost all lenders will require you to buy full coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your vehicle at an extremely high rate and require you to pay a much higher amount than you were paying before.

Third, auto insurance protects your vehicle and your assets. It also can pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also pays expenses related to your legal defense in the event you are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of insuring your vehicle more than cancel out the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver is wasting up to $830 a year so it's recommended you shop around each time the policy renews to ensure rates are inline.

Auto insurance claim statistics

Which vehicles statistically have the fewest claims? The statistics below show the best and worst manufacturer models for likelihood of having large claims for each type of coverage listed.

Medical Payment Claims by Vehicle
Lowest Claims Highest Claims
Ford Expedition Chevrolet Sonic
Audi A4 Allroad Chevrolet Spark
Ford F-350 SuperCrew Mitsubishi Lancer
Tesla Model S Hyundai Accent
Chevrolet Corvette Kia Forte
Ford F-250 SuperCrew Chrysler 200

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

Car Insurance Liability Claims by Vehicle
Lowest Claims Highest Claims
Subaru Forester Dodge Charger
Subaru Outback Hyndai Accent
Volvo XC60 Mitsubishi Lancer
Mercedes-Benz SL Class Chevrolet Cruze
Acura MDX Chevrolet Sonic
Audi A6 Mitsubishi Mirage

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

Lowest and Highest Collision Coverage Claims by Vehicle Model
Lowest Claims Highest Claims
Nissan Xterra Nissan GT-R
Ford F-150 SuperCrew Bentley Continental Flying Spur
Jeep Wrangler Ferrari 458
Ford Edge Maserati Granturismo
Chevrolet Colorado BMW M6
Ford F-250 SuperCab BMW 6 Series

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

Vehicles with the Lowest and Highest Car Insurance Comprehensive Claims
Lowest Claims Highest Claims
Nissan Leaf Porsche Panamera GTS
Ford F-350 Audi S7
Volvo V60 Maserati Granturismo
Chevy Spark Bentley Continental GTC
GMC Sierra 2500 Mercedes-Benz S Class
Infiniti QX50 BMW M6

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

A little work can save a LOT of money

We just showed you many ideas to reduce insurance rates online in Fairview Park. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest priced insurance comes from a company that doesn't do a lot of advertising. Smaller companies may have significantly lower car insurance rates on certain market segments compared to the large companies like Progressive or GEICO.

While you're price shopping online, never skimp on critical coverages to save a buck or two. There have been many cases where an insured cut uninsured motorist or liability limits to discover at claim time they didn't purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.

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