Are you tired of overpaying and want cheaper insurance rates in Middleburg Heights, OH? Are you kicking yourself for buying high-priced insurance? Don't feel bad because there are lots of people in the same boat.

Surprisingly, a recent survey revealed that about 70% of customers have stayed with the same insurance company for four years or more, and approximately 40% of consumers have never shopped around. Many consumers in America could save up to 47% each year just by getting comparison quotes, but most tend to underestimate the large savings they would see if they switched.

You have so many auto insurance companies to buy insurance from, and though it is a good thing to have multiple companies, lots of choices makes it harder to compare rates.

You need to check insurance prices at least once a year because insurance prices trend upward over time. Just because you found the best price on insurance six months ago a different company probably has better rates today. There are lots of tips to save on insurance on the web, but we're going to give you a lot of great tips on how to lower your insurance bill.

Companies offering cheap rates in Middleburg Heights, OH

The following companies are our best choices to provide free quotes in Ohio. If multiple providers are shown, we suggest you get rates from several of them in order to get a fair rate comparison.

Insurance Costs for Popular Vehicles in Middleburg Heights
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LS $672 $336 $56
Chevrolet Silverado LS Regular Cab 2WD $764 $382 $64
Dodge Ram Crew Cab ST 2WD $1,054 $527 $88
Ford Escape XLS 2WD $678 $339 $57
Ford F-150 FX2 2WD $802 $401 $67
Ford Focus SEL 4-Dr Sedan $706 $353 $59
Ford Fusion Hybrid 4-Dr Sedan $864 $432 $72
Honda Accord LX-P 4-Dr Sedan $508 $254 $42
Honda CR-V EX-L 2WD $600 $300 $50
Honda Civic EX-L 4-Dr Sedan $866 $433 $72
Honda Odyssey EX W/Rear Entertainment $768 $384 $64
Nissan Altima 3.5 SR 4-Dr Sedan $940 $470 $78
Toyota Camry SE $730 $365 $61
Toyota Corolla LE $748 $374 $62
Toyota Tacoma Double Cab TRD Sport Package 4WD $926 $463 $77
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in zip code location which can decrease or increase prices greatly.

Where to set your deductibles

When buying auto insurance, a common question is where to set your physical damage deductibles. The comparisons below outline the difference in cost between low and high physical damage coverage deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second data table uses a $500 deductible.

Honda Pilot rates are for example purposes only. To get rates for your specific vehicle, click here.

Honda Pilot insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $176 $242 $226 $14 $68 $751 $63
Pilot EX 2WD $198 $242 $226 $14 $68 $773 $64
Pilot EX 4WD $198 $242 $226 $14 $68 $773 $64
Pilot EX-L 2WD $198 $296 $226 $14 $68 $827 $69
Pilot EX-L 4WD $198 $296 $226 $14 $68 $827 $69
Pilot Touring 2WD $198 $296 $226 $14 $68 $827 $69
Pilot Touring 4WD $198 $296 $226 $14 $68 $827 $69
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Honda Pilot insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Pilot LX 2WD $142 $196 $226 $14 $68 $646 $54
Pilot EX 2WD $160 $196 $226 $14 $68 $664 $55
Pilot EX 4WD $160 $196 $226 $14 $68 $664 $55
Pilot EX-L 2WD $160 $238 $226 $14 $68 $706 $59
Pilot EX-L 4WD $160 $238 $226 $14 $68 $706 $59
Pilot Touring 2WD $160 $238 $226 $14 $68 $706 $59
Pilot Touring 4WD $160 $238 $226 $14 $68 $706 $59
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium costs do not factor in garaging location in Middleburg Heights which can change insurance rates considerably.

Based on this data, using a $250 deductible will cost you roughly $10 more each month or $120 for a full year than requesting the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have more than 25 months between claim filings, you would most likely save money if you choose a higher deductible.

Does it make sense to buy full coverage?

The chart below illustrates the difference between Ford Fusion insurance costs with and without full coverage. The rates are based on no accidents or driving violations, $250 deductibles, married female driver, and no discounts are factored in.

Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.

When to stop buying comprehensive and collision coverage

There is no exact formula to delete comprehensive and collision coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle's replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let's say your Ford Fusion replacement value is $7,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after the policy deductible has been paid. If you are currently paying more than $600 annually for your policy with full coverage, then it might be time to buy liability only.

There are a few cases where dropping full coverage is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder's interest. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should not opt for liability only.

Accidents and violations increase rates

The example below illustrates how violations and at-fault collisions impact Honda Civic car insurance rates for different ages of insureds. Data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.

What determines your policy premium?

Lots of things are considered when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, although some other factors are less apparent like where you live or your financial responsibility.

The following are just a few of the factors used by insurance companies to determine your rates.

Are you snagging every discount?

Car insurance companies don't always publicize every discount in a way that's easy to find, so we break down a few of the more common and also the more inconspicuous ways to save on car insurance.Car insurance discounts

Don't be shocked that most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, it just doesn't work that way.

A few companies who might offer some of the discounts shown above include:

When getting a coverage quote, ask every insurance company the best way to save money. Some discounts listed above might not be available to policyholders in Middleburg Heights. To choose car insurance companies that provide some of the discounts listed above in Ohio, follow this link.

Big brands don't always mean big savings

Well-known car insurance companies like Allstate, GEICO and Progressive continually stream ads on television and other media. They all seem to make the same claim that you'll save big if you change your policy. Is it even possible that every company can give you a lower rate on car insurance?

Many companies quote their best rates for the type of insured that will be a good risk. For example, this type of driver should be between 30 and 50, has a clean driving record, and the vehicle is rated for pleasure use. A driver who matches that profile will get a cheap rate quote in Middleburg Heights and most likely will save when switching.

Potential customers who do not match these stringent criteria will get higher premiums which leads to business not being written. The wording the ads use say "customers who switch" not "all people who quote" save that much when switching. That's the way insurance companies can confidently advertise the way they do.

Because of these techniques, drivers should compare as many free Middleburg Heights car insurance quotes as you can. It is impossible to guess which car insurance company will have the lowest rates for your situation.

Vehicle claim statistics

Is your vehicle a claim risk? The next tables outline the good and bad manufacturer models for the probability of having large claims for each type of coverage.

Auto Insurance Comprehensive Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Ford F-350 BMW M6
GMC Sierra 2500 BMW M6
Chevy Spark Maserati Granturismo
Volvo V60 Maserati Quattroporte
Nissan Xterra Bentley Continental GT
Nissan Leaf Porsche Panamera GTS

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

Lowest and Highest Liability Coverage Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Fiat 500 Chevrolet Impala
Mercedes-Benz SL Class Mitsubishi Lancer
Acura MDX Hyndai Accent
Subaru Outback Chevrolet Cruze
Audi A6 Dodge Charger
Subaru Forester Chrysler 200

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

Vehicle Make and Models with the Lowest and Highest Medical Payment Insurance Claims
Lowest Claim Amount Highest Claim Amount
Ford Expedition Hyundai Accent
Audi A4 Allroad Mitsubishi Lancer
Chevrolet Corvette Mitsubishi Mirage
Chevrolet Silverado 3500 Chevrolet Sonic
Chevrolet Silverado 2500 Nissan Sentra
Ford F-350 SuperCrew Dodge Charger

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

Collision Insurance Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Mini Cooper Maserati Ghibli
Ford F-250 SuperCab Bentley Continental Flying Spur
GMC Canyon BMW M6
Ford Edge BMW 6 Series
Jeep Wrangler Bently Continental GT
Ford F-150 SuperCrew Maserati Granturismo

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

Smart consumers save more

We just presented a lot of techniques to save on auto insurance in Middleburg Heights. It's most important to understand that the more rate comparisons you have, the better chance you'll have of finding inexpensive Middleburg Heights car insurance quotes. Consumers may even find the lowest priced auto insurance comes from a lesser-known regional company. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

As you shop your coverage around, never reduce coverage to reduce premium. Too many times, someone sacrificed uninsured motorist or liability limits only to discover later that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.

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