Are you trying to find more affordable car insurance rates in Bay Village, OH? Bay Village drivers have lots of choices when trying to find affordable car insurance. They can either waste time contacting agents to get rate comparisons or save time using the internet to make rate comparisons.

There is a better way to shop for car insurance and you need to know the quickest way to get price quotes for a new or used and locate the best price possible from Bay Village insurance agents and online providers.

Inconceivable but true, about 70% of customers have stayed with the same insurance company for over three years, and just short of a majority have never compared rates to find cheaper insurance. Most drivers in America could pocket 46.5% a year by just comparing quotes, but they don't want to take the time to compare rate quotes.

It's a great practice to compare prices before your next renewal because car insurance rates fluctuate regularly. If you had the lowest premium rates on car insurance a year ago there may be better deals available now. Forget all the misinformation about car insurance because you're about to find out the right way to get good coverage on car insurance at a lower rate.

The companies shown below offer comparison quotes in Bay Village, OH. If multiple providers are shown, we suggest you get price quotes from several of them to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Bay Village
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado Crew Cab Hybrid 4WD $1,056 $528 $88
Dodge Ram Quad Cab SLT 4WD $782 $391 $65
Ford Escape XLT 2WD $604 $302 $50
Ford F-150 XLT Regular Cab 2WD $718 $359 $60
Ford Focus S 4-Dr Sedan $516 $258 $43
GMC Sierra SLT Extended Cab 2WD $668 $334 $56
Honda Accord EX-L 4-Dr Sedan $554 $277 $46
Honda CR-V EX-L 4WD $594 $297 $50
Honda Civic EX 2-Dr Coupe $956 $478 $80
Honda Odyssey EX-L W/Navigation $748 $374 $62
Jeep Wrangler Rubicon 4WD 2-Dr $736 $368 $61
Kia Optima SX $890 $445 $74
Nissan Altima 3.5 SR 4-Dr Sedan $776 $388 $65
Toyota Camry SE $806 $403 $67
Toyota Corolla LE $834 $417 $70
Toyota Tacoma 2WD $730 $365 $61
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Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in your specific Bay Village location which can modify coverage prices substantially.

Irresponsible driving raises your rates

The diagram below demonstrates how citations and at-fault collisions can impact Honda Accord insurance costs for each age group. The price estimates are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are factored in.

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

Full coverage versus liability-only

The diagram below illustrates the difference between Honda Civic insurance premiums with and without full coverage. Data assumes no accidents or driving violations, $100 deductibles, married female driver, and no policy discounts are applied.

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

When to eliminate full coverage

There is no definitive rule for dropping physical damage insurance, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let's assume your Honda Civic settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $7,000 after you pay the deductible. If it's costing in excess of $700 annually to have full coverage, then you may need to consider dropping full coverage.

There are some scenarios where dropping physical damage coverage is not financially feasible. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Auto insurance can get complicated

When it comes to choosing a policy for your personal vehicles, there really is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.Drive safe and save

For example, these questions can aid in determining whether your personal situation may require specific advice.

If it's difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It's fast, doesn't cost anything and can provide invaluable advice.