Want a free price quotes on low-cost auto insurance rates in Canton, OH? Are you burned out from paying out the nose to buy auto insurance? Your situation is no different than many other consumers in Ohio.
It's hard to fathom, but a large majority of drivers have been with the same company for four years or more, and practically 40% of auto insurance customers have never even shopped around for cheap coverage. Ohio drivers can save almost 55% each year by just comparing quotes, but they don't know the rate savings if they swap their current policy for a cheaper one. With so many options, it is hard for the average consumer to locate the most affordable auto insurance provider.
Obtaining price quotes for more affordable insurance coverage in Canton is not as hard as you think. If you have a current insurance policy or are looking for a new policy, you can follow these tips to lower your rates while maximizing coverage. You just have to learn the most efficient way to compare price quotes online.
Best companies for Ohio car insurance
The following companies offer comparison quotes in Canton, OH. If multiple providers are shown, it's a good idea that you visit several of them in order to get a fair rate comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LT 2WD||$868||$434||$72|
|Chevrolet Silverado LT Crew Cab 2WD||$920||$460||$77|
|Dodge Ram Quad Cab Sport 4WD||$912||$456||$76|
|Ford Escape XLS 4WD||$566||$283||$47|
|Ford Explorer XLT 4WD||$574||$287||$48|
|Ford F-150 XLT Crew Cab 2WD||$672||$336||$56|
|Ford Focus SEL 4-Dr Sedan||$716||$358||$60|
|Honda Accord LX-P 4-Dr Sedan||$602||$301||$50|
|Honda CR-V EX-L 4WD||$518||$259||$43|
|Honda Civic LX 2-Dr Coupe||$866||$433||$72|
|Jeep Grand Cherokee SRT-8 4WD||$854||$427||$71|
|Jeep Wrangler Unlimited Rubicon 4WD 4-Dr||$764||$382||$64|
|Mazda 3 S Grand Touring 4-Dr Sedan||$966||$483||$81|
|Nissan Altima Hybrid 4-Dr Sedan||$680||$340||$57|
|Nissan Rogue SL AWD||$660||$330||$55|
|Toyota Camry LE||$610||$305||$51|
|Toyota Corolla S||$730||$365||$61|
|Toyota Tacoma 4WD||$844||$422||$70|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in specific location information which can lower or raise insurance rates substantially.
Do you need full coverage?
The chart below examines Honda Civic premium costs with full physical damage coverage and with liability coverage only. The information is based on no claims, a clean driving record, $250 deductibles, single female driver, and no discounts are applied to the premium.
Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.
When to drop comprehensive and collision
There is no clear-cut formula for eliminating physical damage coverage, but there is a broad guideline. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let's assume your Honda Civic replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $7,000 after paying the physical damage deductible. If you are paying over $700 a year for your policy with full coverage, then it might be time to consider dropping full coverage.
There are some scenarios where dropping physical damage coverage is not a good plan. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should not remove full coverage.
Rate comparison of males versus females in Canton
The chart below illustrates the difference between yearly insurance costs for male and female drivers in Canton. The premiums assume a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, marital status is single, and no discounts are applied on a Ford Focus SES.
Ford Focus rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
Determine discounts to get cheap Canton car insurance rates
Auto insurance companies don't always publicize all their discounts very clearly, so the list below gives a summary of a few of the more well known as well as the least known credits that may apply to you.
- Discount for Swiching Early - A few companies offer discounts for signing up before your current coverage expires. It could save around 10% when you buy Canton car insurance online.
- Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
- Club Memberships - Affiliation with a qualifying organization can get you a small discount on your next car insurance statement.
- Discounts for Federal Employees - Having worked for a branch of the government may qualify for a discount when you quote Canton car insurance but check with your company.
- Accident Waiver - This one isn't a discount, but companies like Allstate and Progressive permit an accident without getting socked with a rate hike if your claims history is clear for a particular time prior to the accident.
- Student Discounts - Performing well in school can be rewarded with saving of up to 25%. You can use this discount normally until age 25.
- Claim-Free Discount - Drivers who don't have accidents get the best car insurance rates in comparison with drivers with a long claim history.
- Driving Data Discount - People who choose to allow driving data collection to monitor vehicle usage through the use of a telematics system such as In-Drive from State Farm or Allstate's Drivewise system could see a rate decrease if their driving habits are good.
You should keep in mind that some credits don't apply to the entire cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears you could get a free car insurance policy, companies don't profit that way. But all discounts will positively reduce your policy cost.
To choose car insurance companies with discount rates in Ohio, click this link.
Tailor your insurance coverage to you
When it comes to adequate coverage, there really is no cookie cutter policy. You are unique.
These are some specific questions may help highlight if your situation could use an agent's help.
- How high should deductibles be on a vehicle?
- Are my friends covered when driving my car?
- What is an adequate liability insurance limit?
- Is there coverage for my trailer?
- Is my business laptop covered if it gets stolen from my vehicle?
- What is GAP insurance?
If you don't know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.
Car insurance coverages and their meanings
Understanding the coverages of your car insurance policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy.
Uninsured/Underinsured Motorist (UM/UIM) - Your UM/UIM coverage protects you and your vehicle's occupants when other motorists are uninsured or don't have enough coverage. Covered losses include hospital bills for your injuries and damage to your vehicle.
Because many people only purchase the least amount of liability that is required (Ohio limits are 25/50/25), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages do not exceed the liability coverage limits.
Collision - This pays for damage to your vehicle resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision can pay for things such as colliding with a tree, crashing into a building, rolling your car, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.
Liability insurance - This provides protection from damages or injuries you inflict on people or other property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage pays for things like legal defense fees, bail bonds, repair bills for other people's vehicles, medical services and funeral expenses. How much coverage you buy is a personal decision, but consider buying as large an amount as possible. Ohio requires drivers to carry at least 25/50/25 but you should think about purchasing more coverage.
Comprehensive insurance - This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like a broken windshield, falling objects, a tree branch falling on your vehicle and hail damage. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.
Med pay and Personal Injury Protection (PIP) - Coverage for medical payments and/or PIP provide coverage for immediate expenses like hospital visits, doctor visits, surgery and funeral costs. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Don't give up on cheaper rates
Cheaper insurance in Canton can be purchased from both online companies as well as from independent agents in Canton, and you should compare rates from both to have the best rate selection. Some insurance companies may not have price quotes online and these regional carriers provide coverage only through independent agencies.
When you buy Canton car insurance online, don't be tempted to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped physical damage coverage only to regret that it was a big error on their part. The proper strategy is to purchase a proper amount of coverage at a price you can afford.
Consumers change insurance companies for a number of reasons such as denial of a claim, lack of trust in their agent, poor customer service and high prices. It doesn't matter what your reason, finding a new insurance company is pretty easy and you might even save some money in the process.
Much more information about insurance in Ohio is located at the links below
- Crash Avoidance Technologies FAQ (iihs.org)
- Who Has Affordable Ohio Auto Insurance Quotes After a Speeding Ticket? (FAQ)
- What is the Best Car Insurance in Cuyahoga Falls, OH? (FAQ)
- What Car Insurance is Cheapest in Mentor, Ohio? (FAQ)
- Which Company has the Cheapest Car Insurance in Mansfield, OH? (FAQ)
- How Much are Ohio Auto Insurance Rates for Nurses? (FAQ)
- What Auto Insurance is Cheapest for a Ford Fusion in Ohio? (FAQ)
- How Much is Auto Insurance for 18 Year Olds in Ohio? (FAQ)
- What if I Can't Find Coverage? (Insurance Information Institute)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)