Nobody gets a kick out of paying for car insurance, particularly when they could find better prices if they shop around.
Unfortunately, nearly 70% of drivers renewed their policy with the same company for four years or more, and nearly 40% of drivers have never compared rates from other carriers. Ohio drivers could pocket roughly 55% a year just by shopping around, but they just assume it takes a lot of time to find lower-cost car insurance rates. Numerous insurance companies battle to insure your vehicles, and because of this it can be hard to compare auto insurance companies and uncover the absolute cheapest price on car insurance.
If you're already insured or just want to save money, use these money-saving tips to find better prices while maintaining coverages. Finding the cheapest insurance coverage in Youngstown is quite easy if you know the best way to do it. Drivers just have to learn the proper way to quote multiple rates instantly.
Car insurance companies offering competitive prices in Ohio
The car insurance companies shown below are our best choices to provide quotes in Ohio. If multiple providers are shown, we recommend you get prices from 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 Colorado LT 4WD||$496||$248||$41|
|Chevrolet Silverado LS Extended Cab 2WD||$848||$424||$71|
|Dodge Ram Crew Cab SLT 2WD||$746||$373||$62|
|Ford Escape XLT 4WD||$518||$259||$43|
|Ford F-150 STX Super Cab 2WD||$822||$411||$69|
|Ford Focus SES 2-Dr Coupe||$770||$385||$64|
|GMC Sierra SL Extended Cab 2WD||$668||$334||$56|
|Honda Accord EX-L 4-Dr Sedan||$736||$368||$61|
|Honda CR-V EX-L 4WD||$588||$294||$49|
|Honda Civic DX 4-Dr Sedan||$792||$396||$66|
|Nissan Altima 2.5 S 4-Dr Sedan||$920||$460||$77|
|Nissan Rogue S 2WD||$818||$409||$68|
|Toyota Camry XLE||$952||$476||$79|
|Toyota Corolla LE||$944||$472||$79|
|Toyota Tacoma X-Runner 2WD||$856||$428||$71|
|Volkswagen Jetta S 2.5 Station Wagon||$630||$315||$53|
|Get Your Own Custom Quote Go|
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can alter premiums considerably.
Cautious drivers save money
The example below demonstrates how speeding tickets and at-fault collisions drive up Chevrolet Silverado insurance costs for different insured age categories. The premiums are based on a married male driver, full coverage, $1,000 deductibles, and no discounts are factored in.
Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.
Take policy discounts and save on auto insurance
Auto insurance is easily one of your largest bills, but discounts can save money and there are some available that many people don't even know exist. A few discounts will be applied when you complete an application, but a few must be manually applied prior to receiving the credit. If you are not receiving all the discounts you deserve, you are throwing money away.
- Sign Online - Certain larger companies give back up to $50 simply for signing over the internet.
- Federal Government Employee - Being employed by or retired from a federal job could provide a small rate reduction depending on your auto insurance provider.
- Discount for Passive Restraints - Factory air bags and/or automatic seat belt systems may get savings of 25 to 30%.
- Defensive Driving Course - Taking time to complete a course in driver safety may get you a small discount and easily pay for the cost of the class.
- Discount for Low Mileage - Low mileage vehicles can qualify you for lower rates on the low mileage vehicles.
- Early Renewal Discounts - Some insurance companies reward drivers for switching companies early. You may see this discount when you get Youngstown auto insurance quotes online.
- Lower Rates for Military - Being on active duty in the military could trigger a small discount.
- Telematics Data - Drivers that enable data collection to track when and where they use their vehicle remotely such as State Farm's In-Drive could possibly reduce rates if they show good driving skills.
- Home Ownership Discount - Just being a homeowner can save a few bucks because owning a home is proof of financial responsibility.
Discounts save money, but please remember that most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, insurance companies wouldn't stay in business.
Some of the insurance companies who might offer some of the discounts shown above include:
When getting a coverage quote, ask all the companies which credits you are entitled to. Discounts might not apply in your state. If you would like to see a list of auto insurance companies that offer many of these discounts in Youngstown, click here to view.
How your Youngstown costs are determined
Many things are used in the calculation when you get a price on insurance. Most are fairly basic like a motor vehicle report, but others are more obscure such as whether you are married or your vehicle rating.
Do you qualify for a multi-policy discount? - Many insurers give lower prices to people who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to compare other rates to guarantee you are still saving the most.
Save by driving safer vehicles - Vehicles that have high safety ratings tend to have lower insurance rates. Highly rated vehicles help reduce the chance of injuries in an accident and fewer injuries translates into savings for insurance companies which can result in lower premiums.
Premiums are affected by your credit rating - Having a bad credit score is a large factor in determining your rates. So if your credit history is not that good, you could pay less to insure your vehicle if you improve your credit rating. Drivers who have excellent credit scores tend to file fewer claims and have better driving records than those with lower ratings.
An active claims history can cost you more - If you frequently file small claims, you can pretty much guarantee higher premiums or even policy non-renewal. Insurance companies in Ohio award the lowest premiums to drivers that do not abuse their auto insurance. Auto insurance is meant to be used in the event of claims that pose a financial burden.
Policy add-ons add up - There are a ton of extra bells and whistles you can purchase on your policy. Add-on coverages like replacement cost coverage, high-cost glass coverage, and motor club memberships are probably not needed. They may sound like good ideas when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
High deductibles equal low rates - Coverage for physical damage, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims are a dented fender, damage caused by hail, and damage caused by flying debris. Physical damage deductibles tell how much you are willing to pay before your auto insurance pays a claim. The more damage repair cost the insured is willing to pay, the better rate you will receive.
Premiums may be higher where you live - Having an address in areas with lower population is a good thing when trying to find low car insurance rates. People who live in big cities have much more traffic and more severe claims. Fewer drivers and short commutes means a lower chance of having an accident in addition to fewer liability claims.
Smaller companies may have the best rates
Ohio drivers can't escape the ads that claim the cheapest car insurance rates by companies like 21st Century, Allstate and State Farm. They all try to convey promises that drivers will save a bundle just by switching your policy.
It sounds good, but how can they all lower your car insurance rates?
Auto insurance companies look for specific characteristics for the type of insured that is profitable for them. For example, a desirable risk may need to be over the age of 35, has no prior claims, and drives a lower-performance vehicle. Anyone that meets those criteria is entitled to the best price and have a good chance to save if they switch.
Insureds who don't meet the requirements may receive higher premiums and this can result in the customer not purchasing. If you listen closely, the ads state "customers that switch" but not "everyone who gets a quote" save the amount stated. That's the way companies can claim big savings.
Because each company has a different risk profile, you really need to get a wide range of price quotes. You cannot predict the company that will fit you best based on your risk profile.
Quote. Compare. Save.
Lower-priced car insurance in Youngstown can be found from both online companies as well as from independent agents in Youngstown, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and these small, regional companies sell through independent agents.
As you go through the steps to switch your coverage, do not buy less coverage just to save a little money. There have been many situations where someone sacrificed collision coverage and learned later that they should have had better coverage. Your focus should be to buy the best coverage you can find at the best cost, but do not skimp to save money.
To read more, link through to these articles:
- Electronic Stability Control FAQ (iihs.org)
- What is the Best Car Insurance in Cuyahoga Falls, OH? (FAQ)
- How Much are Car Insurance Rates for 4x4 Vehicles in Ohio? (FAQ)
- What Insurance is Cheapest for Teenage Females in Ohio? (FAQ)
- How Much are Car Insurance Rates for Business Use in Ohio? (FAQ)
- Who Has Cheap Ohio Car Insurance Rates for High School Students? (FAQ)
- How Much is Auto Insurance for Unemployed Drivers in Ohio? (FAQ)
- What Car Insurance is Cheapest for Drivers with a Bad Driving Record in Ohio? (FAQ)
- How Much are Ohio Auto Insurance Quotes for 19 Year Olds? (FAQ)
- Distracted Driving Extends Beyond Texting (State Farm)
- Keeping Children Safe in Crashes Video (iihs.org)
- Side Impact Crash Tests (iihs.org)
- Driving in Bad Weather (Insurance Information Institute)