Want to learn a better way to compare the cheapest car insurance rates in Hilliard, OH? Hilliard consumers have many options when looking for low-cost car insurance. You can either spend your time driving around to get rate comparisons or utilize the internet to find the lowest rates. There are more efficient ways to shop for car insurance so you're going to learn the absolute fastest way to price shop coverage for your and obtain the lowest possible price from both online companies and Hilliard agents.

It's a great practice to take a look at other company's rates on a regular basis since prices change quite often. Even if you think you had the best quotes on car insurance last year the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because you're about to learn the proper way to find great coverage at a great price.

The most recommended method to compare car insurance company rates is to realize auto insurance companies participate in a system to give rate comparisons. To get started, all you need to do is provide a little information including whether your vehicle is owned or leased, your job, which vehicles you own, and if it has an anti-theft system. Those rating factors is then sent to many different companies and they return quotes instantly.

To check car insurance prices now, click here and enter your zip code.

The following companies have been selected to offer free rate quotes in Ohio. If more than one company is shown, we recommend you visit two to three different companies to get the best price comparison.

Insurance Rates for Popular Vehicles in Hilliard
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $590 $295 $49
Chevrolet Impala LS $748 $374 $62
Chevrolet Silverado Crew Cab Hybrid 2WD $792 $396 $66
Dodge Ram Quad Cab Sport 2WD $698 $349 $58
Ford Escape Limited 2WD $616 $308 $51
Ford F-150 XLT Crew Cab 2WD $724 $362 $60
Ford Focus SE 2-Dr Coupe $752 $376 $63
Honda Accord LX-S 2-Dr Coupe $902 $451 $75
Honda CR-V EX 4WD $680 $340 $57
Honda Civic EX-L 4-Dr Sedan $866 $433 $72
Honda Odyssey Touring $822 $411 $69
Jeep Grand Cherokee SRT-8 4WD $854 $427 $71
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $678 $339 $57
Nissan Altima Hybrid 4-Dr Sedan $836 $418 $70
Toyota Camry XLE $840 $420 $70
Toyota Corolla XLE $798 $399 $67
Toyota Prius $570 $285 $48
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Prices do not factor in Hilliard location which can decrease or increase insurance rates noticeably.

Deductible comparison

When buying auto insurance, a common question is how high should the physical damage deductibles be. The rates below show how much more you'll pay between low and high physical damage coverage deductibles. The first pricing table uses a $100 deductible for physical damage 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 $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $196 $352 $226 $14 $68 $881 $73
Malibu Hybrid $196 $352 $226 $14 $68 $881 $73
Malibu LT $220 $352 $226 $14 $68 $905 $75
Malibu LTZ $220 $416 $226 $14 $68 $969 $81
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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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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium costs do not factor in specific garaging location which can change premium rates greatly.

Based on these figures, using a $100 deductible could cost the average driver approximately $17 more each month or $204 annually than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 24 months between claim filings, you would come out ahead going with the higher deductible. The numbers below show the way you can perform this determination yourself.

Average monthly premium for $100 deductibles: $76
Average monthly premium for $500 deductibles (subtract): - $59
Monthly savings from raising deductible: $17
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

One big caveat is that increasing deductibles to save money results in having to pay to pay more out-of-pocket at claim time. You need to have some extra savings in the event you have to pay the deductible to have repairs made.

Does full coverage make sense?

The illustration below shows the comparison of Ford Focus insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no claims or driving violations, $500 deductibles, single male driver, and no discounts are taken into consideration.

Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.

Should you pay for full coverage?

There is no definitive guideline of when to drop full coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let's pretend your Ford Focus replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after the deductible is paid. If premiums are more than $600 a year to have full coverage, then it could be time to drop full coverage.

There are some situations where eliminating full coverage is not advised. If you haven't satisfied your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should not remove full coverage.

Physical damage deductible comparison

The diagram below illustrates how choosing a deductible and can impact Ford Fusion insurance premiums for different age groups. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.

Do you qualify for these ten discounts?

Car insurance can cost a lot, but you might already qualify for some discounts to help bring down the price. Certain discounts will be triggered automatically at the time of quoting, but some must be inquired about before you will receive the discount. If you aren't receiving every discount you deserve, you are throwing money away.Discount insurance

Don't be shocked that most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like comp or med pay. If you do the math and it seems like having all the discounts means you get insurance for free, insurance companies aren't that generous. Any qualifying discounts will cut the amount you pay for coverage.

If you would like to choose from a list of insurance companies that can offer you the previously mentioned discounts in Hilliard, click here to view.

Why do I need car insurance?

Even though it can be expensive, insuring your vehicle is required for several reasons.

The benefits of having insurance more than cancel out the cost, especially if you ever need it. As of last year, the average driver in Ohio is wasting up to $800 each year so you should quote your policy with other companies each time the policy renews to ensure rates are competitive.

Auto insurance coverage breakdown

Learning about specific coverages of your auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive auto insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, hail damage, damage from flooding, fire damage and rock chips in glass. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle's value is low consider dropping full coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses like pain medications, rehabilitation expenses, EMT expenses and funeral costs. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the "other guys" are uninsured or don't have enough coverage. Covered losses include injuries to you and your family as well as damage to your vehicle.

Since many Ohio drivers have only the minimum liability required by law (25/50/25), their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision coverage protection

Collision insurance pays for damage to your vehicle caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, colliding with a tree, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Auto liability insurance

This provides protection from damages or injuries you inflict on other people or property in an accident. It protects YOU from legal claims by others, and doesn't cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like repair bills for other people's vehicles, funeral expenses, medical expenses, loss of income and attorney fees. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford. Ohio state law requires minimum liability limits of 25/50/25 but you should think about purchasing more coverage.

Auto insurance claim information

Are you driving a vehicle with a high chance of a claim? The following claim statistics list the best and worst vehicle models for the probability of filing claims.

Lowest and Highest Comprehensive Coverage Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevy Spark Bentley Continental GT
Ford F-350 Porsche Panamera GTS
Volvo V60 Mercedes-Benz S Class
Nissan Leaf BMW M6
Chevy Silverado 2500 Bentley Continental GTC
Smart ForTwo BMW M6

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Medical Payment Insurance Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 3500 Dodge Charger
Land Rover Range Rover Sport Nissan Versa
Tesla Model S Mitsubishi Lancer
Ford F-350 SuperCrew Kia Forte
Ford Expedition Nissan Sentra
Chevrolet Corvette Chrysler 200

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Collision Coverage Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Nissan Xterra Maserati Granturismo
Ford F-150 SuperCrew BMW M6
Jeep Wrangler BMW 6 Series
Ford Edge Bently Continental GTC
Ford F-250 SuperCab Bently Continental GT
GMC Canyon Bentley Continental Flying Spur

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Auto Insurance Liability Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Audi A6 Chrysler 200
Chevrolet Corvette Chevrolet Impala
Volvo XC60 Mitsubishi Lancer
Acura MDX Chevrolet Sonic
Subaru Outback Kia Optima
Fiat 500 Kia Rio

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years