How many times have you put off comparing quotes for more affordable auto insurance rates in Huber Heights, OH? Trying to find better insurance prices for a new or used car in Ohio can normally be an all-consuming task, but you can learn our auto insurance buying tips to make it easier.

There are both good and bad ways to buy auto insurance and you need to know the best way to get price quotes for your and locate the best price possible either online or from Huber Heights insurance agents.

Unfortunately, the vast majority of consumers kept buying from the same company for a minimum of four years, and about 40% of consumers have never even compared quotes to find lower-cost rates. With the average premium in Ohio being $1,343, drivers could save almost $730 a year by just shopping around, but they won't spend time to compare rates online.

It's important to take a look at other company's rates once or twice a year because auto insurance rates go up and down regularly. If you had the lowest premium rates on auto insurance six months ago the chances are good that you can find a lower price today. Forget all the misinformation about auto insurance because I'm going to let you in on the secrets to the easiest way to find better coverage on auto insurance at a better price.

You have control over your insurance premiums

When buying insurance it's important to understand some of the things that play a part in calculating your premiums. When you know what positively or negatively determines base rates, this enables informed choices that may result in lower rates. Lots of factors are part of the equation when quoting car insurance. A few of the factors are predictable like an MVR report, although others are more transparent like your vehicle usage or your commute time.

The items below are a few of the things utilized by car insurance companies to help set rates.

Your gender affects rates - Statistics have proven that females tend to be a little less risky than males. It does not mean men are worse drivers. Both genders are in at-fault accidents in similar numbers, but males cause more damage and cost insurance companies more money. Men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers have the highest risk to insure and therefore are the most expensive to insure.

Can a thief steal your car? - Choosing a vehicle with a theft deterrent system can get you a discount on your insurance. Theft prevention features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder auto theft and help lower rates.

Lower rates by increasing comp and collision deductibles - Physical damage protection, aka comp and collision, helps pay for damage to your vehicle. Some examples of claims that would be covered are collision with another vehicle, flood damage, and damage from a fallen tree branch. Physical damage deductibles tell how much you are willing to pay if you file a covered claim. The larger the amount you are required to pay out-of-pocket, the lower your rates will be.

Driving citations can increase rates - Only having one citation can boost insurance rates substantially. Good drivers have lower premiums as compared to careless drivers. Drivers who have license-revoking violations like reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.

Protect yourself with liability protection - Liability coverage kicks in if a jury decides you are liable for an accident. Your liability coverage provides legal defense to defend your case. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so buy as much as you can afford.

How to lower your auto insurance cost in Huber Heights

The majority of larger companies such as Progressive, Allstate and GEICO make it easy to get prices on the web. Comparing auto insurance rates online doesn't take much effort as you simply type in your coverage information on the page. Upon sending the form, the company's rating system orders your driving record and credit report and returns pricing information based on these factors.

Being able to quote online streamlines rate comparisons, and it is important to compare as many rates as possible if you want to find a better rate.

To quickly find out if lower rates are available, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you duplicate the coverages just like they are on your policy. This ensures you will get an apples-to-apples comparison for similar coverage.

The following companies have been selected to offer comparison quotes in Ohio. If the list has multiple companies, it's highly recommended you visit as many as you can in order to get a fair rate comparison.

Insurance Rate Estimates for Popular Vehicles in Huber Heights
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $528 $264 $44
Chevrolet Malibu LTZ $730 $365 $61
Chevrolet Silverado LS Extended Cab 2WD $818 $409 $68
Dodge Ram Quad Cab Sport 2WD $926 $463 $77
Ford Edge SE AWD $654 $327 $55
Ford Escape XLS 4WD $604 $302 $50
Ford F-150 XLT Regular Cab 4WD $672 $336 $56
Ford Focus SE 4-Dr Sedan $668 $334 $56
Ford Fusion Sport 4-Dr Sedan $650 $325 $54
Honda Accord EX 4-Dr Sedan $602 $301 $50
Honda CR-V LX 4WD $504 $252 $42
Honda Civic EX-L 4-Dr Sedan $1,004 $502 $84
Honda Odyssey EX-L W/Navigation $632 $316 $53
Hyundai Elantra Blue 4-Dr Sedan $926 $463 $77
Hyundai Sonata SE 4-Dr Sedan $748 $374 $62
Nissan Altima 3.5 SR 2-Dr Coupe $632 $316 $53
Toyota Camry XLE $746 $373 $62
Toyota Corolla S $706 $353 $59
Toyota Prius $646 $323 $54
Volkswagen Jetta SE 4-Dr Sedan $876 $438 $73
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can revise premiums greatly.

Comparison of full coverage and liability-only policies

The information below shows the difference between Chevrolet Tahoe insurance costs with and without full coverage. The premium estimates are based on no claims or violations, $500 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.

When to drop comprehensive and collision coverage

There is no written rule of when to exclude physical damage coverage on your policy, but there is a general convention. If the yearly cost of full coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let's say your Chevrolet Tahoe claim settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after you pay the deductible. If premiums are more than $400 a year to have full coverage, then it could be time to drop full coverage.

There are some situations where eliminating full coverage is not advised. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Three main reasons to buy auto insurance

Despite the fact that auto insurance is not cheap in Huber Heights, paying for auto insurance is required in Ohio but it also protects you in many ways.

The benefits of having auto insurance greatly outweigh the cost, especially when you need to use it. The average driver in America is overpaying over $869 every year so it's recommended you shop around each time the policy renews to ensure rates are competitive.

Insurance discounts help lower rates

Insurance is not an enjoyable expense, but you can get discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically when you get a quote, but some discounts are required to be specially asked for prior to receiving the credit.Discount insurance

You can save money using discounts, but most credits do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like you would end up receiving a 100% discount, insurance companies wouldn't stay in business.

A list of companies and a summarized list of policyholder discounts can be found below.

Before purchasing a policy, check with each insurance company to give you their best rates. Depending on the company, some discounts might not be offered everywhere.

Local Huber Heights car insurance agents and auto insurance

Certain consumers would prefer to go talk to an agent and doing so can bring peace of mind Most agents are very good at helping people manage risk and will help you if you have claims. A nice benefit of comparing auto insurance online is the fact that drivers can get lower prices and still buy from a local agent. Putting coverage with local agencies is still important in Huber Heights.

After filling out this simple form, your coverage information is sent to agents in your area that provide free Huber Heights auto insurance quotes for your auto insurance coverage. You never need to search for any insurance agencies because prices are sent to your email. If you need to get a price quote from a specific company, you can always navigate to their website and complete a quote there.

If you want to use a reliable insurance agent, you need to know there are two types of agencies and how they function. Huber Heights agents can either be exclusive or independent agents depending on their company appointments. Both can insure your vehicles properly, but it's important to point out the difference in how they write coverage since it could factor into the type of agent you choose.

Independent Insurance Agents

These agents are not required to write business for one company and that gives them the ability to insure through many different auto insurance companies and find the cheapest rate. If your agent finds better pricing, the business is moved internally and that require little work on your part. When searching for an agent, you definitely need to include rate quotes from multiple independent agents to get the most accurate price comparison. Most independent agents also contract with less well-known companies which can be an advantage.

Exclusive Agencies

Agents that elect to be exclusive can only place business with one company and some examples include AAA, Allstate, and State Farm. They usually cannot compare other company's rates so they really need to provide good service. Exclusive agencies are trained well on their products and sales techniques which helps offset the inability to provide other markets. Drivers often buy from exclusive agents partially due to loyalty to the company instead of buying on price only.

Selecting an insurance agent is decision based upon more than just a cheap quote. Here are some questions you might want to ask.

Insurance losses by coverage

Are you driving a vehicle that ranks well for claims? The statistics below show the best and worst manufacturer models for the probability of having claims.

Lowest and Highest Comprehensive Insurance Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Chevy Silverado 2500 BMW M6
Ford F-350 Audi S7
Smart ForTwo Mercedes-Benz S Class
Volvo V60 BMW M6
Chevy Spark Maserati Quattroporte
Infiniti QX50 Bentley Continental GT

Statistics from IIHS.org for 2013-2015 Model Years

Vehicles with the Lowest and Highest Medical Payment Claims
Lowest Overall Losses Highest Overall Losses
Ford F-250 SuperCrew Kia Forte
Ford F-350 SuperCrew Nissan Versa
Chevrolet Silverado 2500 Chevrolet Sonic
Ford Expedition Chrysler 200
Audi A4 Allroad Mitsubishi Mirage
Land Rover Range Rover Sport Chevrolet Spark

Statistics from IIHS.org for 2013-2015 Model Years

Collision Insurance Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Jeep Wrangler Audi RS7
Nissan Xterra Maserati Ghibli
Ford Edge Bentley Continental Flying Spur
Smart ForTwo Maserati Granturismo
GMC Canyon BMW M6
Ford F-250 SuperCab Bently Continental GT

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Bodily Injury Liability Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Audi A6 Dodge Charger
Chevrolet Corvette Hyndai Accent
Acura MDX Chevrolet Cruze
Subaru Forester Mitsubishi Lancer
Subaru Outback Chevrolet Impala
Fiat 500 Kia Rio

Statistics from IIHS.org for 2013-2015 Model Years

Find cheaper auto insurance prices by comparing often

When you buy Huber Heights auto insurance online, make sure you don't reduce coverage to reduce premium. There are a lot of situations where someone dropped comprehensive coverage or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

You just learned quite a bit of information on how to compare auto insurance car insurance rates in Huber Heights. The most important thing to understand is the more you quote Huber Heights auto insurance, the better likelihood of getting inexpensive Huber Heights auto insurance quotes. You may even find the lowest priced auto insurance comes from an unexpected company.

People change insurance companies for a number of reasons such as poor customer service, denial of a claim, policy cancellation or even policy non-renewal. Whatever your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

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