Are you kicking yourself for buying an underperforming, overpriced auto insurance policy? Trust us when we tell you there are lots of people in the same boat.
Unbelievably, nearly 70% of consumers kept their policy with the same company for at least four years, and nearly 40% of drivers have never taken the time to shop around. Consumers in Ohio could save $729 every year by just comparing rate quotes, but they don't understand how simple it is to find lower-cost rates by getting comparison quotes. Popular companies such as GEICO, Progressive and Allstate constantly bombard you with ad campaigns and it is challenging if not impossible to see through the cute green geckos and mayhem and do the work needed to find the best deal.
The auto insurance companies shown below are ready to provide free quotes in Ohio. If more than one company is shown, we suggest you visit as many as you can to get the most affordable price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|CR-V LX 2WD||$92||$150||$196||$12||$58||$508||$42|
|CR-V EX 2WD||$154||$266||$198||$12||$60||$690||$58|
|CR-V LX 4WD||$122||$226||$234||$14||$70||$666||$56|
|CR-V EX 4WD||$178||$266||$198||$12||$60||$714||$60|
|CR-V EX-L 2WD||$120||$188||$260||$16||$78||$662||$55|
|CR-V EX-L 4WD||$200||$242||$252||$14||$76||$784||$65|
|Get Your Own Custom Quote Go|
Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Prices do not factor in Columbus location which can alter coverage rates substantially.
Honda CR-V liability rates compared to full coverage
The illustration below shows the comparison of Honda CR-V insurance prices when comparing full coverage to liability only. The rate quotes are based on no accidents or driving violations, $1,000 deductibles, single male driver, and no policy discounts are applied.
Should you buy full coverage or liability only?
There is no exact formula for excluding physical damage insurance, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of any settlement you would receive from your insurance company, then it's probably a good time to buy liability coverage only.
For example, let's say your Honda CR-V claim settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $6,000 after you pay the deductible. If premiums are more than $600 a year to have full coverage, then you may need to consider dropping full coverage.
There are a few cases where dropping full coverage is not recommended. If you still have a lienholder on your title, you have to keep full coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
Insurance agent or online?
Certain consumers prefer to talk to a local agent and that can be a smart move Experienced insurance agents will help you protect your assets and give you someone to call. One of the best bonuses of comparing rates online is that you can obtain lower rates but still work with a licensed agent.
Once you complete this quick form, your coverage information is sent to local insurance agents in Columbus that can provide free Columbus auto insurance quotes to get your business. It's much easier because you don't need to even leave your home since price quotes are sent immediately to you. If you wish to quote rates from a specific insurance company, you just need to find their quoting web page and fill out their quote form.
Deciding on an insurer requires more thought than just the price. Here are some questions you should ask.
- Will the company cover a rental car if your car is getting fixed?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Does their agency support local causes in Columbus?
- Will the agent or a CSR service your policy?
- Will they give you a referral list?
- What companies can they write with?
When narrowing the list to find local Columbus agents, it helps to know the two different types of agents and how they can write your policy. Agencies in Columbus can either be exclusive or independent. Either can provide car insurance policies, but it's important to know the difference between them since it may influence the kind of agent you use.
Agents of this type write business for a single company like Farmers Insurance or State Farm. Exclusive agents cannot compare other company's rates so they really need to provide good service. Exclusive agents are usually quite knowledgeable on their company's products which helps them compete with independent agents.
Below is a list of exclusive agents in Columbus who may provide you with price quote information.
Ted Briggs - State Farm Insurance Agent
2545 Petzinger Rd L - Columbus, OH 43209 - (614) 235-6667 - View Map
Independent Car Insurance Agencies
Independent agents often have many company appointments and that is an advantage because they can write policies with lots of companies and find the cheapest rate. If they quote lower rates, the agent simply finds a different carrier and you don't have to do anything.
If you are comparing car insurance prices, you should always compare prices from independent agents to get the best comparison.
Listed below is a list of independent agencies in Columbus willing to provide rate quotes.
Nationwide Insurance: Robert Darnell Jackson Agency
2690 E Main St - Columbus, OH 43209 - (614) 235-5413 - View Map