Searching for low-cost insurance for a car in Ohio can normally be difficult, but you can follow the following methods to find lower rates.

There is a right way and a wrong way to shop for insurance so we're going to tell you the quickest way to compare rates on a and get the lowest price.

Locating the most affordable protection in Oxford is not as hard as you think. If you are already insured or just want cheaper coverage, use these techniques to save money without reducing protection. You just need to use the proper methods to get comparison rates instantly.

Cheap auto insurance in Oxford, OH

The companies shown below are ready to provide price comparisons in Oxford, OH. If multiple companies are shown, we suggest you visit several of them in order to get a fair rate comparison.

Insurance Cost Estimates for Popular Vehicles in Oxford
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu LT $808 $404 $67
Chevrolet Silverado LTZ Crew Cab 2WD $616 $308 $51
Dodge Ram Quad Cab TRX4 Off Road 4WD $824 $412 $69
Ford Edge SE 2WD $730 $365 $61
Ford Escape XLS 4WD $506 $253 $42
Ford F-150 Lariat Crew Cab 2WD $706 $353 $59
Ford Focus S 4-Dr Sedan $874 $437 $73
Ford Fusion SE 4-Dr Sedan $940 $470 $78
Honda Accord LX 4-Dr Sedan $822 $411 $69
Honda CR-V EX 4WD $846 $423 $71
Honda Civic DX 4-Dr Sedan $748 $374 $62
Hyundai Elantra SE 4-Dr Sedan $816 $408 $68
Mazda 3 I Sport 4-Dr Sedan $668 $334 $56
Nissan Altima 2.5 4-Dr Sedan $680 $340 $57
Toyota Camry SE $746 $373 $62
Toyota Corolla XRS $738 $369 $62
Toyota Prius $494 $247 $41
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Price information does not factor in vehicle garaging location which can increase or decrease price quotes significantly.

Bad driving habits will cost you more

The information below shows how traffic citations and at-fault claims raise Hyundai Elantra car insurance costs for different insured age categories. The rates are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are applied.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Save a ton with discounts

Insurance is easily one of your largest bills, but discounts can save money and there are some available that may help make it more affordable. Some discounts apply automatically at quote time, but less common discounts must be asked about before you get the savings.Cheaper insurance with discounts

While discounts sound great, it's important to understand that some credits don't apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all the discounts add up to a free policy, companies wouldn't make money that way.

A few of the larger companies and their possible discounts include:

It's a good idea to ask each insurance company the best way to save money. Discounts may not be offered in your area. To locate insurance companies who offer cheap insurance quotes in Ohio, click here to view.

Lower Oxford auto insurance premiums

When buying auto insurance it's important to understand the factors that help determine the level of your policy premiums. If you have some idea of what determines base rates, this allows you to make good choices that can help you get lower premium levels.

The itemized list below are some of the most rate-impacting factors that factor into your prices.

Your vocation may affect rates - Jobs such as judges, police officers, and stock brokers are shown to have higher average rates attributed to intense work requirements and long work days. Other careers such as scientists, students and the unemployed pay lower than average rates.

Guys pay more for insurance coverage - Over the last 30 years, statistics show women are more cautious behind the wheel. The data does not necessarily mean that women are BETTER drivers than men. Men and women are in at-fault accidents at a similar rate, but the men cause more damage. Not only that, but men also have more aggressive citations like DUI and reckless driving.

Gaps in coverage mean higher auto insurance rates - Having a lapse in insurance coverage is a fast way to pay more for auto insurance. And not only will your rates increase, not being able to provide proof of insurance may result in a fine, jail time, or a revoked license.

Don't abuse policy claims - Companies in Ohio give discounts to insureds that do not abuse their auto insurance. If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is designed for claims that pose a financial burden.

Miles driven impacts rates - The more you drive every year the higher your rate. The majority of insurers charge to insure your cars partially by how you use the vehicle. Cars left parked in the garage can be on a lower rate level than cars that get driven a lot. Make sure your vehicle rating is rated on the correct usage, because improper ratings can cost you money.

Liability limits should be high - Liability coverage provides coverage in the event that you are responsible for damages caused by your negligence. Your liability coverage provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so do not cut corners here.

Everyone needs different car insurance coverages

When quoting and comparing a policy for your personal vehicles, there isn't really a single plan that fits everyone. Everyone's needs are different and your policy should reflect that.Higher deductibles save money These are some specific questions can help discover whether or not you might need professional guidance.

If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It's fast, free and can help protect your family.

Independent versus exclusive auto insurance agents

Some consumers would prefer to get professional advice from a licensed agent and doing so can bring peace of mind Professional agents can make sure you are properly covered and help you file claims. One of the best bonuses of getting online price quotes is that you can find cheaper prices and still choose a local agent. And providing support for neighborhood insurance agencies is important especially in Oxford.

Find insurance agent in OxfordOnce you complete this quick form, the coverage information is sent to participating agents in Oxford who will return price quotes for your coverage. There is no reason to contact any insurance agencies because prices are sent to your email. If you wish to quote rates from a specific insurance company, just jump over to their website and fill out their quote form.

Selecting an company shouldn't rely on just the premium amount. Any agent in Oxford should have no problem answering these questions:

Once you have received answers to your satisfaction to these questions and a low price estimate, you may have just found an provider that can insure your vehicles. But remember, it's your coverage and you can cancel a policy whenever you choose to so don't assume that you're stuck with a specific agent for the entire policy term.

Buyer beware of insurance advertising tricks

Consumers get pounded daily by advertisements that promise big savings by companies like State Farm, GEICO and Progressive. All the companies make the point that people will save if you change your coverage.

How does each company have lower policy pricing? You have to listen carefully.

Companies require specific criteria for the type of customer that makes them money. An example of a desirable risk could be between the ages of 30 and 50, has a low-risk occupation, and has excellent credit. Any person that matches those criteria gets the lowest rates and will also save when switching.

Drivers who don't measure up to these criteria will see a higher rate which usually ends up with the prospect going elsewhere. The ads state "customers that switch" but not "all drivers who get quotes" save money. That is how insurance companies can confidently lure you into getting a quote.

This really drives home the point why you absolutely need to get a wide range of price quotes. It's not possible to predict with any certainty which company will have the best insurance in Oxford.

Best and worst vehicle claim statistics

Are you driving a vehicle with a high chance of a claim? The tables below show the worst and best makes and models for the probability of having to file claims for each type of coverage listed.

Auto Insurance Medical Payment Claims by Vehicle
Lowest Claims Highest Claims
Land Rover Range Rover Sport Chevrolet Sonic
Ford Expedition Dodge Charger
Chevrolet Corvette Chevrolet Spark
Chevrolet Silverado 3500 Mitsubishi Lancer
Tesla Model S Hyundai Accent
Ford F-250 SuperCrew Nissan Versa

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

Lowest and Highest Comprehensive Coverage Claims by Vehicle
Lowest Claims Highest Claims
Nissan Leaf Maserati Granturismo
Smart ForTwo Maserati Quattroporte
Ford F-350 Bentley Continental GTC
Nissan Xterra Mercedes-Benz S Class
Chevy Spark Bentley Continental GT
GMC Sierra 2500 Porsche Panamera GTS

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

Liability Coverage Claims by Manufacturer Model
Lowest Claims Highest Claims
Fiat 500 Dodge Charger
Subaru Forester Kia Rio
Audi A6 Chevrolet Cruze
Acura MDX Chrysler 200
Volvo XC60 Mitsubishi Mirage
Chevrolet Corvette Kia Optima

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

Car Insurance Collision Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Nissan Xterra Bently Continental GT
GMC Canyon Maserati Granturismo
Mini Cooper Maserati Ghibli
Smart ForTwo BMW 6 Series
Ford F-250 SuperCab Nissan GT-R
Chevrolet Colorado Audi RS7

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

Smart shoppers get results

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

You just read some good ideas how to shop for car insurance online. The key thing to remember is the more rate quotes you have, the better likelihood of getting the cheapest Oxford car insurance quotes. You may even discover the lowest priced car insurance comes from a smaller regional carrier. Some small companies may cover specific market segments cheaper compared to the large companies like State Farm and Allstate.

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