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.

Insurance Rates for Popular Vehicles in Kent
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
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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.

Toyota Corolla insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $196 $416 $226 $14 $68 $945 $79
Corolla S $196 $416 $226 $14 $68 $945 $79
Corolla XLE $196 $416 $226 $14 $68 $945 $79
Corolla XRS $220 $416 $226 $14 $68 $969 $81
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Toyota Corolla insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corolla LE $142 $280 $226 $14 $68 $730 $61
Corolla S $142 $280 $226 $14 $68 $730 $61
Corolla XLE $142 $280 $226 $14 $68 $730 $61
Corolla XRS $160 $280 $226 $14 $68 $748 $62
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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.Insurance discounts

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.

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.

Kent insurance agentsTo 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 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.

Exclusive Agents

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.Drive safe and save

Here are some questions about coverages that can aid in determining if you might need professional guidance.

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.

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 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.

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