Finding the cheapest insurance for your 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 auto insurance and we'll show you the absolute fastest way to price shop coverage on a and find the lowest price.

The companies shown below are our best choices to provide free rate quotes in Wadsworth, OH. If multiple companies are listed, we suggest you get prices from several of them to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Wadsworth
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Extended Cab 2WD $922 $461 $77
Dodge Ram Crew Cab SLT 4WD $824 $412 $69
Ford Edge SEL 2WD $588 $294 $49
Ford Escape XLS 4WD $528 $264 $44
Ford Explorer Limited 2WD $1,000 $500 $83
Ford F-150 Lariat Crew Cab Harley 4WD $880 $440 $73
Ford Focus SES 2-Dr Coupe $594 $297 $50
Honda Accord LX-P 4-Dr Sedan $604 $302 $50
Honda CR-V EX-L 4WD $594 $297 $50
Honda Civic Hybrid 4-Dr Sedan $966 $483 $81
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $814 $407 $68
Kia Optima EX $894 $447 $75
Mazda 3 S Grand Touring 4-Dr Sedan $644 $322 $54
Nissan Altima 2.5 S 2-Dr Coupe $714 $357 $60
Toyota Camry LE $598 $299 $50
Toyota Corolla XRS $978 $489 $82
Toyota RAV4 Sport 2WD $900 $450 $75
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Table data does not factor in zip code location which can alter auto insurance rates substantially.

How high should deductibles be?

One of the hardest decisions when shopping for auto insurance is how high should the physical damage coverage deductibles be. The comparison tables below summarize the price difference when you select higher and lower comp and collision deductibles. The first rate comparisons uses a $250 deductible and the second data table uses a $500 deductible.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

Chevrolet Malibu insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $176 $296 $226 $14 $68 $805 $67
Malibu Hybrid $176 $296 $226 $14 $68 $805 $67
Malibu LT $198 $296 $226 $14 $68 $827 $69
Malibu LTZ $198 $348 $226 $14 $68 $879 $73
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Chevrolet Malibu insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $142 $238 $226 $14 $68 $688 $57
Malibu Hybrid $142 $238 $226 $14 $68 $688 $57
Malibu LT $160 $238 $226 $14 $68 $706 $59
Malibu LTZ $160 $280 $226 $14 $68 $748 $62
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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 multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Information does not factor in vehicle garaging location which can influence premium rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible costs about $10 more each month or $120 each year than buying the higher $500 deductible. Because you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you have more than 25 months between claim filings, you would more than likely save some money if you choose a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $250 deductibles: $69
Average monthly premium for $500 deductibles (subtract): - $59
Monthly savings from raising deductible: $10
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $10
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

One thing to note is that a higher deductible means you will have to pay more of your own money when you have a claim. That will necessitate enough disposable income in the event you have to pay more for the deductible.

Irresponsible driving raises your rates

The diagram below demonstrates how citations and at-fault collisions can increase Honda Accord auto insurance costs for each age group. The prices are based on a married male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.

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

Which policy gives me the best coverage?

When quoting and comparing the right insurance coverage for your vehicles, there isn't really a best way to insure your cars. Everyone's needs are different and your insurance should unique, too.Drive safe and save For instance, these questions could help you determine whether you will benefit from professional help.

If you can't answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It's fast, free and can help protect your family.

Insurance agencies can help

Some consumers just want to talk to an insurance agent and that is recommended in a lot of cases Good agents are trained risk managers and help submit paperwork. The biggest benefit of price shopping on the web is that drivers can save money and get the best rates and still buy from a local agent. Buying from and supporting local agents is definitely important in Wadsworth.

Find insurance agent in WadsworthFor easy comparison, once you complete this quick form, the quote information is submitted to local insurance agents in Wadsworth who want to provide quotes to get your business. You won't need to visit any agencies since rate quotes are delivered immediately to your email address. In the event you want to compare rates from a specific insurance company, just visit that company's website and fill out the quote form the provide.

Types of car insurance agents

When narrowing the list to find a good insurance agency, you must know there are a couple different types of agencies that you can choose from. Wadsworth agents can be classified as either independent agents or exclusive agents depending on their employer. Both can sell affordable car insurance policies, but we need to point out the difference between them because it can impact your selection of an agent.

Independent Agents

Agents that choose to be independent are not locked into one company so as a result can place your coverage with lots of companies enabling the ability to shop coverage around. If they quote lower rates, the business is moved internally and you can keep the same agent.

If you are comparing rate quotes, it's recommended you include price quotes from several independent agencies in order to compare the most rates. Many write coverage with mutual insurance companies that may have much lower rates than larger companies.

Exclusive Insurance Agencies

Agents in the exclusive channel can only write with one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. They are unable to provide rate quotes from other companies so they have no alternatives for high prices. Exclusive insurance agents are usually well trained in insurance sales which helps offset the inability to provide other markets. Some consumers prefer to use the same exclusive agent mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.

Picking a auto insurance agent is decision based upon more than just a low price. The answers to these questions are important, too.

Once you have acceptable answers to all your questions and an affordable coverage quote, it's possible that you found an insurance agent that meets the criteria to service your policy. But remember, you can always terminate your policy whenever you wish so never assume that you are permanently stuck with the car insurance policy with no way to switch.

Auto insurance overall losses by make and model

Is your vehicle likely to have claims? The next tables outline the good and bad models for the overall chance of having large claims organized by coverage.

Collision Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Ferrari 458
Smart ForTwo Audi RS7
Jeep Wrangler Nissan GT-R
Mini Cooper BMW 6 Series
Ford Edge BMW M6
GMC Canyon Maserati Granturismo

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

Lowest and Highest Auto Insurance Liability Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Volvo XC60 Chrysler 200
Audi A6 Kia Optima
Subaru Outback Chevrolet Cruze
Acura MDX Hyndai Accent
Mercedes-Benz SL Class Chevrolet Impala
Subaru Forester Dodge Charger

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

Auto Insurance Medical Payment Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 2500 Chrysler 200
Tesla Model S Kia Forte
Ford F-350 SuperCrew Mitsubishi Mirage
Ford F-250 SuperCrew Chevrolet Spark
Ford Expedition Mitsubishi Lancer
Land Rover Range Rover Sport Nissan Versa

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

Vehicle Make and Models with the Lowest and Highest Comprehensive Insurance Claims
Lowest Claim Amount Highest Claim Amount
Volvo V60 Audi S7
Chevy Silverado 2500 Porsche Panamera GTS
Nissan Leaf BMW M6
Nissan Xterra BMW M6
Ford F-350 Bentley Continental GT
Smart ForTwo Mercedes-Benz S Class

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