Pretty sure you bought an underperforming, overpriced auto insurance policy? You're in good company because there are lots of Gahanna residents who feel the same.

Surprisingly, a recent survey revealed that most auto insurance policyholders in Ohio have stayed with the same insurance company for more than four years, and virtually 40% of consumers have never compared rates to find lower-cost insurance. With the average premium in the United States being $1,847, drivers can save about $850 each year, but they don't want to spend time to compare rate quotes online. Multiple insurers compete to insure your vehicles, so it can be very hard to choose a company and get the best coverage at the cheapest price on auto insurance.

Car insurance companies in Ohio

The car insurance companies shown below can provide free quotes in Ohio. If several companies are displayed, it's a good idea that you click on several of them to find the most affordable car insurance rates.

Insurance Rates for Popular Vehicles in Gahanna
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Regular Cab 2WD $848 $424 $71
Dodge Grand Caravan CV $638 $319 $53
Dodge Ram Quad Cab Sport 2WD $704 $352 $59
Ford Escape XLS 2WD $496 $248 $41
Ford F-150 XLT Regular Cab 2WD $822 $411 $69
Ford Focus SE 2-Dr Coupe $1,092 $546 $91
Honda Accord LX 4-Dr Sedan $566 $283 $47
Honda CR-V LX 2WD $678 $339 $57
Honda Civic SI 4-Dr Sedan $762 $381 $64
Honda Odyssey LX $718 $359 $60
Nissan Altima 3.5 SR 4-Dr Sedan $730 $365 $61
Nissan Rogue S AWD $834 $417 $70
Toyota Camry Hybrid $1,038 $519 $87
Toyota Corolla S $618 $309 $52
Toyota Prius $722 $361 $60
Toyota RAV4 2WD $668 $334 $56
Volkswagen Jetta SEL 4-Dr Sedan $746 $373 $62
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Price estimates do not factor in the specific area where the vehicle is garaged which can modify auto insurance rates significantly.

Physical damage deductible comparison

When shopping for car insurance, a common question is where should you set your physical damage deductibles. The figures shown below sum up how much more rates are when you choose different policy deductibles. The first set of rates uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Nissan Altima insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $196 $352 $226 $14 $68 $881 $73
Altima 2.5 S 4-Dr Sedan $196 $416 $226 $14 $68 $945 $79
Altima Hybrid 4-Dr Sedan $220 $416 $226 $14 $68 $969 $81
Altima 2.5 S 2-Dr Coupe $220 $416 $256 $16 $76 $1,009 $84
Altima 3.5 SR 4-Dr Sedan $220 $416 $226 $14 $68 $969 $81
Altima 3.5 SR 2-Dr Coupe $220 $478 $256 $16 $76 $1,071 $89
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Nissan Altima insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Altima 2.5 4-Dr Sedan $142 $238 $226 $14 $68 $688 $57
Altima 2.5 S 4-Dr Sedan $142 $280 $226 $14 $68 $730 $61
Altima Hybrid 4-Dr Sedan $160 $280 $226 $14 $68 $748 $62
Altima 2.5 S 2-Dr Coupe $160 $280 $256 $16 $76 $788 $66
Altima 3.5 SR 4-Dr Sedan $160 $280 $226 $14 $68 $748 $62
Altima 3.5 SR 2-Dr Coupe $160 $324 $256 $16 $76 $832 $69
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Information does not factor in specific zip code location which can increase or decrease price quotes considerably.

We can estimate from the data above that using a $100 deductible will cost you roughly $18 more each month or $216 every year than requesting the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 22 months between claim filings, you would probably be better off going with the higher deductible.

Calculation for raising deductibles

Average monthly premium for $100 deductibles: $81
Average monthly premium for $500 deductibles (subtract): - $63
Monthly savings from raising deductible: $18
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

One important caveat is that higher deductibles means you will have to pay more of your own money if you have a claim. You need some extra savings in order to pay more for the deductible.

Get cheaper car insurance with discounts

Companies that sell car insurance don't always advertise every possible discount very well, so the following list contains both well-publicized and the more hidden credits that may apply to you. If you do not check that you are getting every discount available, you could be getting lower rates.Car insurance discounts

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, car insurance companies aren't that generous.

For a list of car insurance companies who offer discounts in Gahanna, click here.

Lower Gahanna car insurance premiums

Lots of factors are used when pricing auto insurance. Some factors are common sense like an MVR report, but other criteria are less obvious such as your marital status or your commute time. Consumers need to have an understanding of the factors that go into determining car insurance rates. If you understand what controls the rates you pay, this empowers consumers to make smart changes that could help you find much lower annual insurance costs.

Different people need different insurance coverages

When it comes to choosing coverage online or from an agent for your vehicles, there really isn't a "perfect" insurance plan. Everyone's situation is a little different.Drive safe and save

Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

If it's difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Compare rate quotes but work with a local neighborhood Gahanna car insurance agent

Some people would prefer to buy from a licensed agent and that can be a great decision Good insurance agents are highly skilled in risk management and help submit paperwork. One of the benefits of price shopping on the web is the fact that you can find the best rates and still choose a local agent.

Insurance agency in GahannaTo find an agent, once you fill out this simple form, your insurance data is immediately sent to local insurance agents who will give you quotes for your coverage. There is no need to leave your computer due to the fact that quote results will go to the email address you provide. If you have a need to compare rates from one company in particular, don't hesitate to visit that company's website to submit a rate quote request.

Choosing a company is decision based upon more than just a cheap price. These are some questions your agent should answer.

Quote more and you will save more

Cheap auto insurance in Gahanna can be purchased from both online companies and with local Gahanna insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers may not have internet price quotes and usually these regional insurance providers sell through independent agents.

We've covered some good ideas how to find cheaper coverage online. The key concept to understand is the more rate quotes you have, the better likelihood of getting low cost Gahanna auto insurance quotes. Consumers could even find that the best premium rates are with the least-expected company.

People who switch companies do it for many reasons like questionable increases in premium, extreme rates for teen drivers, high rates after DUI convictions and delays in responding to claim requests. Regardless of your reason, choosing a new company can be easier than you think.

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