How long have you put off shopping around for the cheapest auto insurance rates in Kent, OH? Kent consumers have options when looking for low-cost car insurance. They can either waste time calling around trying to get quotes or leverage the internet to compare rates. There are both good and bad ways to compare auto insurance rates so you're going to learn the proper way to quote coverages on a and get the best price possible either online or from Kent insurance agents.
Buying the cheapest auto insurance in Kent is much easier if you have a good place to start. If you have insurance now, you will most likely be able to buy cheaper auto insurance using these tips. Vehicle owners just need to understand the tricks to get comparison rates online.
Many insurance companies like State Farm, Allstate and GEICO provide coverage price quotes online. Getting online quotes is possible for anyone as you simply type in the amount of coverage you want into the quote form. After you complete the form, the company's rating system requests reports for credit and driving violations and returns a price quote.
Quoting online makes it easy to compare insurance prices and it's very important to have as many quotes as possible in order to get affordable car insurance pricing.
If you want to find out how much you can save on car insurance, compare rate quotes from the providers shown below. If you currently have coverage, we recommend you duplicate deductibles and limits as close as possible to your current policy. Doing this assures you will have a rate comparison based on identical coverages.
The companies in the list below offer price quotes in Ohio. If several companies are displayed, we suggest you compare several of them to get the lowest price.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Crew Cab 2WD||$950||$475||$79|
|Chevrolet Equinox LTZ 2WD||$836||$418||$70|
|Chevrolet Malibu Hybrid||$538||$269||$45|
|Chevrolet Silverado LS Regular Cab 4WD||$664||$332||$55|
|Dodge Ram Quad Cab Laramie 4WD||$1,118||$559||$93|
|Ford Escape Limited 4WD||$652||$326||$54|
|Ford F-150 FX4 Super Cab 4WD||$1,000||$500||$83|
|Ford Focus SEL 4-Dr Sedan||$606||$303||$51|
|Ford Fusion Hybrid 4-Dr Sedan||$770||$385||$64|
|GMC Sierra SLE Crew Cab 4WD||$978||$489||$82|
|Honda Accord LX 4-Dr Sedan||$666||$333||$56|
|Honda CR-V EX 2WD||$504||$252||$42|
|Honda Civic Hybrid 4-Dr Sedan||$850||$425||$71|
|Nissan Altima 3.5 SR 2-Dr Coupe||$1,184||$592||$99|
|Toyota Camry LE||$610||$305||$51|
|Toyota Corolla S||$730||$365||$61|
|Get Your Own Custom Quote Go|
Table data represents single male 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 information does not factor in specific zip code location which can impact insurance rates significantly.
Drive safe and save
The illustration below illustrates how violations and accident claims drive up Dodge Ram premium costs for each age group. The premiums assume a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.
Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.
Higher deductibles lower rates
One of the more difficult decisions when buying car insurance is where should you set your physical damage deductibles. The figures shown below illustrate the differences in premium rates when you choose different deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.
Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Get a Quote for Your Vehicle Go|
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Prices do not factor in specific Kent garaging location which can lower or raise coverage rates considerably.
Based on these figures, using a $100 deductible will cost you roughly $19 more each month or $228 a year than selecting the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have more than 21 months between claim filings, you would more than likely save some money if you decide on a higher deductible.
How to calculate if a higher deductible is a good decision
|Average monthly premium for $100 deductibles:||$80|
|Average monthly premium for $500 deductibles (subtract):||- $61|
|Monthly savings from raising deductible:||$19|
|Difference between deductibles ($500 - $100):||$400|
|Divide difference by monthly savings:||$400 / $19|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||21 months|
An important thing to remember is that raising deductibles results in having to pay to pay more out-of-pocket when you have a claim. You must have enough savings in the event you have to pay more for the deductible.
Slash rates with these discounts
Insurance is not an enjoyable expense, but you can get discounts that could help you make your next renewal payment. Most are applied when you purchase, but some may not be applied and must be manually applied before you get the savings.
- Discount for New Cars - Buying a new car instead of a used car is cheaper because newer models keep occupants safer.
- Theft Prevention System - Cars equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
- Discounts for Multiple Vehicles - Purchasing coverage when you have several vehicles on the same insurance policy can get a discount on all vehicles.
- Low Mileage Discounts - Keeping the miles down can earn lower insurance rates on the low mileage vehicles.
- Seat Belts Save - Drivers who require all occupants to use their safety belts can save a little on the premium charged for medical payments and/or PIP.
- Driver Training Discounts - Taking time to complete a driver safety class can save you 5% or more and easily recoup the cost of the course.
You should keep in mind that most credits do not apply to the whole policy. The majority will only reduce the cost of specific coverages such as comp or med pay. Even though it appears all those discounts means the company will pay you, insurance companies aren't that generous.
A list of companies and some of their more popular discounts are shown below.
- GEICO has discounts for seat belt use, multi-policy, good student, daytime running lights, and anti-theft.
- MetLife policyholders can earn discounts including accident-free, claim-free, defensive driver, multi-policy, good driver, and good student.
- Progressive offers discounts including homeowner, good student, continuous coverage, online signing, multi-policy, multi-vehicle, and online quote discount.
- Travelers may have discounts that include save driver, early quote, new car, payment discounts, student away at school, and IntelliDrive.
- SAFECO includes discounts for multi-car, teen safety rewards, homeowner, safe driver, and drive less.
- AAA may include discounts for good student, anti-theft, multi-policy, pay-in-full, and education and occupation.
Before you buy a policy, ask every insurance company to apply every possible discount. Some credits might not be available to policyholders in your state. For a list of insurance companies offering insurance discounts in Ohio, follow this link.
When to contact a local insurance agent
A small number of people just want to talk to a local agent and often times that is recommended Good agents are highly skilled in risk management and help submit paperwork. One of the best bonuses of price shopping on the web is you can get cheap rate quotes and still buy from a local agent.
To help locate an agent, after submitting this quick form, your coverage information is transmitted to local insurance agents who will give you bids for your insurance coverage. You won't need to search for an agent since rate quotes are delivered instantly to you. If for some reason you want to get a comparison quote from a particular provider, don't hesitate to jump over to their website and submit a quote form there.
Selecting an company is decision based upon more than just the price. Here are some questions you might want to ask.
- How much will you save each year by using a higher deductible?
- Can you choose the body shop in case repairs are needed?
- What are their preferred companies if they are an independent agency?
- Is there a Errors and Omissions policy in force?
- Can they provide you with a list of referrals?
- When do they do policy reviews?
- Does the agent have a valid license to sell insurance in Ohio?
How to choose the best auto insurance agent in Kent
When finding a good Kent insurance agent, you need to know there are two different types of agents and how they can quote your rates. Agents can be described as either independent agents or exclusive agents depending on their employer. Both types can do a good job, but it's worth learning how they are different because it can influence the selection process.
Agents that elect to be exclusive can only place business with one company and some examples include Farmers Insurance, Allstate, or State Farm. They are unable to compare other company's rates so it's a take it or leave it situation. Exclusive agents are usually well trained on their company's products which can be an advantage. Many people buy insurance from these agents mainly due to the prominence of the brand rather than having low rates.
Independent Insurance Agents
Independent agencies do not write with just one company and that is an advantage because they can write policies amongst many companies and get the cheapest rates. If prices rise, the business is moved internally and you stay with the same agent. If you need lower rates, we recommend you get quotes from multiple independent agents to maximize your price options. Most can insure with mutual insurance companies which can save you money.
Do I just need basic coverages?
When selecting coverage for your personal vehicles, there really is not a one-size-fits-all type of policy. Your financial needs are unique.
Here are some questions about coverages that can aid in determining if you might need professional guidance.
- What is UM/UIM insurance?
- Do I need more liability coverage?
- Is motorclub coverage worth it?
- How long can I keep a teen driver on my policy?
- What does medical payments cover?
- Which companies are cheaper for teen drivers?
- Am I covered when using my vehicle for business?
- Do I have newly-acquired coverage?
- How do I buy GAP insurance?
- Are my company tools covered if they get stolen?
If you don't know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It's fast, free and can help protect your family.
How to lower your car insurance premiums
Many factors are part of the equation when quoting car insurance. Some are obvious like a motor vehicle report, but others are not quite as obvious like your vehicle usage or how financially stable you are.
- Maintain car insurance coverage - Driving without insurance is illegal and you will pay a penalty because you let your coverage cancel without a new policy in place. And not only will your rates increase, being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license.
- Tickets increase costs - Your driving record can have a huge impact on auto insurance premiums. Attentive drivers tend to pay less for car insurance compared to drivers with tickets. Even a single chargeable violation can bump up the cost by twenty percent. Drivers who have gotten serious citations like DUI or willful reckless driving may find they need to complete a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
- Are men or women drivers cheaper? - Over time, data shows women are more cautious behind the wheel. This data doesn't prove that men are WORSE drivers than women. Both sexes cause fender benders in similar percentages, but the males tend to have more serious accidents. In addition to higher claims, males also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
- Compare rates if you consolidate your policies - Some insurance companies will give discounts to people who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, consumers should still shop around to help ensure you have the lowest rates.
- Advanced theft deterrents - Purchasing a vehicle with anti-theft technology or alarm system can earn a premium discount. Anti-theft features like OnStar, LoJack tracking, and tamper alarms help track and prevent auto theft and help lower rates.
Three reasons to insure your vehicle
Despite the potentially high cost of auto insurance, paying for auto insurance may not be optional for several reasons.
- The majority of states have minimum mandated liability insurance limits which means state laws require a minimum amount of liability coverage in order to drive the car. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your vehicle, almost all lenders will make it mandatory that you have comprehensive coverage to guarantee payment of the loan. If coverage lapses or is canceled, the lender will be forced to insure your vehicle at a much higher premium rate and make you pay for the expensive policy.
- Auto insurance preserves your vehicle and your assets. It will also pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability coverage also pays expenses related to your legal defense if anyone sues you for causing an accident. If damage is caused by hail or an accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of having insurance greatly outweigh the cost, especially for larger claims. The average driver in America overpays as much as $865 each year so it's recommended you shop around once a year at a minimum to ensure rates are competitive.
Cheap insurance rates are possible
Cost effective insurance can be sourced both online and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance providers may not offer price quotes online and these smaller providers provide coverage only through independent agents.
As you quote Kent auto insurance, you should never reduce coverage to reduce premium. There are a lot of situations where an insured cut collision coverage only to regret that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find at the best possible price, but do not skimp to save money.
In this article, we covered many tips how you can shop for insurance online. The key thing to remember is the more rate quotes you have, the better chance you'll have of finding inexpensive Kent auto insurance quotes. Consumers may even find the biggest savings come from a small mutual company.
- Teen Driver Licensing Information (iihs.org)
- Who Has Affordable Auto Insurance Quotes for a Ford F-150 in Ohio? (FAQ)
- Who Has the Cheapest Ohio Auto Insurance for State Employees? (FAQ)
- What Auto Insurance is Cheapest for a Nissan Altima in Ohio? (FAQ)
- How Much is Ohio Car Insurance for Immigrants? (FAQ)
- Vehicle Insurance (Wikipedia)
- Prom Night Tips for Teen Drivers (State Farm)
- Collision Coverage (Liberty Mutual)