Did you fall for a flashy sales pitch and buy an overpriced insurance policy? Trust us, there are lots of people in the same boat.

Astonishing but true, about 70% of customers have been with the same company for at least four years, and nearly 40% of drivers have never quoted insurance rates at all. Many consumers in Ohio could save an average of approximately 55% each year just by comparing rates, but they don't believe how much money they would save if they swap their current policy for a cheaper one. Consumers have multiple insurers to pick from, and although it's a good thing to have a choice, more choices can make it harder to adequately compare rates.

Buying the cheapest car insurance in New Philadelphia seems hard but is not really that difficult. If you have a current car insurance policy or are looking for a new policy, you can use this information to reduce premiums and still have adequate protection. Smart shoppers just need to learn the most time-saving way to find the lowest price using one simple form.

Companies offering affordable rates in Ohio

The providers in the list below are ready to provide free quotes in Ohio. If more than one company is shown, we recommend you get rates from several of them in order to find the cheapest rates.

Insurance Cost Estimates for Popular Vehicles in New Philadelphia
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $666 $333 $56
Chevrolet Silverado Crew Cab Hybrid 4WD $928 $464 $77
Dodge Ram Quad Cab Laramie 4WD $996 $498 $83
Ford Escape XLT 4WD $466 $233 $39
Ford Explorer Limited 2WD $888 $444 $74
Ford F-150 XL Regular Cab 4WD $646 $323 $54
Ford Focus SES 4-Dr Sedan $716 $358 $60
Honda Accord LX-P 4-Dr Sedan $758 $379 $63
Honda CR-V EX-L 2WD $684 $342 $57
Honda Civic Hybrid 4-Dr Sedan $660 $330 $55
Hyundai Elantra SE Touring Station Wagon $732 $366 $61
Jeep Grand Cherokee Limited 4WD $836 $418 $70
Nissan Altima 2.5 S 2-Dr Coupe $890 $445 $74
Toyota Camry XLE $964 $482 $80
Toyota Corolla XLE $798 $399 $67
Toyota RAV4 2WD $598 $299 $50
Volkswagen Jetta 2.0T Station Wagon $824 $412 $69
Get Your Own Custom Quote Go

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rates do not factor in your specific New Philadelphia location which can change coverage prices noticeably.

Impact of violations and accidents on rates

The information below shows how violations and at-fault fender-benders can affect Hyundai Elantra insurance costs for different age groups. The data assumes a married male driver, full coverage, $500 deductibles, and no discounts are applied.

Hyundai Elantra rates are for example purposes only. To get rates for your specific vehicle, click here.

Are you receiving every discount?

Insuring your fleet can be pricey, but you might already qualify for some discounts to cut the cost considerably. Some discounts apply automatically when you quote, but some may not be applied and must be specially asked for before being credited.Insurance discounts

Discounts save money, but please remember that most discount credits are not given to the whole policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like all the discounts add up to a free policy, company stockholders wouldn't be very happy.

A few popular companies and the discounts they provide are outlined below.

Check with all companies you are considering what discounts are available to you. Savings may not apply in every state.

Well known brands might not be cheapest

Consumers in Ohio can't get away from ads that claim the cheapest prices by companies like State Farm, GEICO and Progressive. All the ads seem to make the promise that people will save if you get a free New Philadelphia auto insurance quote and switch to them.

How does every company claim to save you money? Here is how they do it.

All companies provide the lowest rates for the type of insured that will be a good risk. An example of a profitable customer may be between the ages of 30 and 45, has had continuous coverage, and drives a lower-performance vehicle. A driver who meets those qualifications will get the preferred premium rates in New Philadelphia and will save quite a bit of money when switching.

Potential customers who do not meet the ideal profile will be quoted higher premiums with the end result being the customer buying from someone else. The ad wording is "people who switch" not "everybody who quotes" can get the lowest rates when switching. That's the way insurance companies can confidently advertise the savings. Because of this risk profiling, it's extremely important to compare as many free New Philadelphia auto insurance quotes as you can. It is just not possible to predict the company that will fit your personal profile best.

Insurance losses by coverage

Which vehicles tend to have fewer claims? The data below outline the good and bad models for the probability of filing claims organized by coverage.

Liability Insurance Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Corvette Mitsubishi Mirage
Fiat 500 Hyndai Accent
Audi A6 Chevrolet Cruze
Subaru Outback Dodge Charger
Acura MDX Chrysler 200
Mercedes-Benz SL Class Kia Rio

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

Car Insurance Medical Payment Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 2500 Dodge Charger
Chevrolet Corvette Nissan Sentra
Ford F-350 SuperCrew Chevrolet Spark
Tesla Model S Mitsubishi Mirage
Ford F-250 SuperCrew Chrysler 200
Chevrolet Silverado 3500 Chevrolet Sonic

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

Vehicle Models with the Lowest and Highest Collision Coverage Claims
Lowest Claim Frequency Highest Claim Frequency
Mini Cooper Ferrari 458
Jeep Wrangler Bently Continental GTC
Chevrolet Colorado BMW 6 Series
GMC Canyon Bentley Continental Flying Spur
Ford F-250 SuperCab Audi RS7
Ford Edge Bently Continental GT

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

Car Insurance Comprehensive Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Nissan Leaf Audi S7
Chevy Silverado 2500 BMW M6
GMC Sierra 2500 Porsche Panamera GTS
Ford F-350 Maserati Quattroporte
Nissan Xterra Bentley Continental GTC
Infiniti QX50 Maserati Granturismo

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

Lower rates by being persistent

We've covered a lot of tips how to reduce car insurance prices online in New Philadelphia. It's most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the most savings is with a lesser-known regional company. These companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.

As you quote New Philadelphia auto insurance, don't be tempted to buy less coverage just to save a little money. There are many occasions where an insured dropped liability limits or collision coverage to discover at claim time they didn't have enough coverage. Your objective should be to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.

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