Would you like to stop wasting money and find more affordable auto insurance rates in Ashtabula, OH? Tired of not being able to afford to make your auto insurance payment? You are in the same boat as the majority of other people in Ohio.

Surprisingly, a recent survey revealed that the vast majority of auto insurance customers in Ohio have stayed with the same insurance company for well over three years, and 38% of customers have never compared rates from other carriers. Most drivers in the U.S. could save 46.5% every year by just comparing quotes, but they don't know how much savings they would realize if they bought a different policy.

There is such a variety of car insurance companies to choose from, and although it's a good thing to have a choice, more choices can make it harder to adequately compare rates.

Consumers need to take a look at other company's rates on a regular basis since prices are constantly changing. Just because you found the best quotes on auto insurance a couple years back there may be better deals available now. Block out anything you think you know about auto insurance because I'm going to teach you the fastest way to find better rates and still maintain coverage.

Quoting the cheapest policy in Ashtabula is not as confusing as people think. Just about each driver who comparison shops for car insurance stands a good chance to find a cheaper policy. Although Ohio car owners do need to learn how insurance companies determine what you pay because it can help you find the best coverage.

Free Ashtabula auto insurance quotes

When comparison shopping, there are several ways to compare quotes from lots of Ohio auto insurance companies. The fastest way to do a complete rate comparison involves getting comparison quotes online.

It's so easy to compare rates online that it replaces the need to physically go to each insurance agency near you. Quoting and buying auto insurance online makes this process obsolete unless you prefer the personal advice that you can only get from talking to an agent. Although, it is possible get the lowest quotes online and get advice from an agent in your area. When comparing auto insurance rates, know that comparing all the rates in your area helps locate the best rates. Some regional insurers cannot provide quotes online, so you need to compare price estimates from them, too.

The car insurance companies shown below are our best choices to provide free quotes in Ohio. If multiple companies are shown, we recommend you compare several of them in order to find the most affordable rates.

Insurance Price Estimates for Popular Vehicles in Ashtabula
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $680 $340 $57
Chevrolet Equinox LS AWD $900 $450 $75
Chevrolet Silverado LT Extended Cab 4WD $588 $294 $49
Dodge Ram Quad Cab ST 4WD $978 $489 $82
Ford Escape XLS 2WD $496 $248 $41
Ford Explorer Eddie Bauer AWD $826 $413 $69
Ford F-150 XL Crew Cab 2WD $500 $250 $42
Ford Focus SES 2-Dr Coupe $676 $338 $56
GMC Sierra SLT Extended Cab 2WD $986 $493 $82
Honda Accord EX-L 2-Dr Coupe $926 $463 $77
Honda CR-V LX 2WD $682 $341 $57
Honda Civic DX 4-Dr Sedan $612 $306 $51
Honda Odyssey EX-L W/Navigation $618 $309 $52
Mazda 3 S Grand Touring 4-Dr Sedan $876 $438 $73
Nissan Altima 2.5 S 2-Dr Coupe $816 $408 $68
Toyota Camry Hybrid $792 $396 $66
Toyota Corolla LE $856 $428 $71
Get Your Own Custom Quote Go

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in specific location which can affect price quotes substantially.

Safe drivers pay less for auto insurance

The information below demonstrates how citations and at-fault claims can raise Chevrolet Tahoe insurance costs for different age groups. The price estimates are based on a single male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

Chevrolet Tahoe rates are for example purposes only. To get rates for your specific vehicle, click here.

Policy deductibles

One of the most common auto insurance questions is which deductibles should you choose. The premium rates below may help to illustrate the differences in premium rates between low and high physical damage coverage deductibles. The first rate table uses a $250 deductible and the second data table uses a $1,000 deductible.

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

Ford Escape insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $152 $242 $192 $12 $58 $681 $57
Escape XLS 4WD $152 $242 $192 $12 $58 $681 $57
Escape XLT 2WD $152 $242 $192 $12 $58 $681 $57
Escape Limited 2WD $176 $242 $192 $12 $58 $705 $59
Escape XLT 4WD $176 $242 $192 $12 $58 $705 $59
Escape Limited 4WD $176 $296 $192 $12 $58 $759 $63
Get a Quote for Your Vehicle Go
Ford Escape insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $94 $152 $192 $12 $58 $508 $42
Escape XLS 4WD $94 $152 $192 $12 $58 $508 $42
Escape XLT 2WD $94 $152 $192 $12 $58 $508 $42
Escape Limited 2WD $108 $152 $192 $12 $58 $522 $44
Escape XLT 4WD $108 $152 $192 $12 $58 $522 $44
Escape Limited 4WD $108 $186 $192 $12 $58 $556 $46
Get a Quote for Your Vehicle Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Information does not factor in specific Ashtabula garaging location which can modify coverage prices greatly.

Based on the above data, using a $250 deductible costs about $16 more each month or $192 annually than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 47 months between claim filings, you would most likely save money if you choose the higher deductible.

Affordable rates by taking advantage of discounts

Insurance can cost an arm and a leg, but you may find discounts that you may not even know about. Certain discounts will be applied when you get a quote, but some must be specially asked for before you will receive the discount. If you're not getting every credit possible, you may be paying too high a price.Discount insurance

One last thing about discounts, most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, company stockholders wouldn't be very happy. Any amount of discount should help lower your policy premium.

If you would like to choose from a list of insurance companies with the best discounts in Ashtabula, click here to view.

Learn how to lower your car insurance prices

When buying car insurance it's important to understand the factors that play a part in calculating your policy premiums. When you understand what influences your rates, this empowers consumers to make smart changes that may reward you with big savings.

The itemized list below are most of the major factors utilized by car insurance companies to help set premiums.

Driving citations can be expensive - Your driving citation history can have a huge impact on auto insurance premiums. Drivers with clean records tend to pay less for car insurance than people who have multiple driving citations. Even one driving citation may increase your cost by as much as thirty percent. Drivers unfortunate enough to have multiple violations like reckless driving or DUI may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.

Lower rates with a multi-policy discount - Most larger car insurance companies apply lower prices to insureds who buy several policies from them. It's known as a multi-policy discount. Even if you qualify for this discount already, it's in your best interest to compare other rates to verify if the discount is saving money.

Pay lower premiums after the wedding - Having a spouse may cut your premiums on your policy. Having a spouse may mean you are more responsible and insurance companies like that being married results in fewer claims.

Deter vehicle theft - Choosing to buy a car with a theft deterrent system can earn a premium discount. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart vehicle theft.

Rural vs Urban Areas - Residing in small towns and rural areas is a good thing when talking about car insurance. Lower population means reduced accidents as well as less vandalism and auto theft. Drivers in populated Ohio areas regularly have much more traffic and higher rates of accident claims. More time commuting means higher likelihood of an accident.

What are your comp and collision deductibles? - The deductibles define how much you are required to pay in the event of a claim. Physical damage protection, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of some claims that would be covered are rearending another vehicle, animal collisions, and having a roll-over accident. The more of the claim you have to pay, the lower your rates will be.

Teenagers are high risk - More experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents, and tend to be get fewer driving tickets.Beginning drivers tend to be less responsible when driving with friends therefore car insurance rates are much higher.

Compare rate quotes but buy from a neighborhood Ashtabula auto insurance agent

A small number of people still like to get advice from a local agent and often times that is recommended One of the great benefits of getting online price quotes is that you can find the lowest rates and still choose a local agent. And providing support for local agencies is definitely important in Ashtabula.

Find insurance agent in AshtabulaTo make it easy to find an agent, after completing this short form, the coverage information is sent to companies in Ashtabula who will return price quotes for your coverage. You won't need to contact any agents since price quotes are sent directly to you. You can find better rates without requiring a lot of work. If you want to get a comparison quote from a specific insurance company, just jump over to their website and submit a quote form there.

Compare rates from both independent and exclusive auto insurance agents

When finding a good Ashtabula insurance agent, you should know the types of insurance agents to choose from. Ashtabula agents can be categorized as either independent agents or exclusive agents depending on their employer.

Independent Auto Insurance Agents (or Brokers)

Agents in the independent channel are not locked into one company so they have the ability to put coverage with multiple insurance companies and find the cheapest rate. If premiums increase, they simply move the coverage in-house and you stay with the same agent. When shopping rates, we recommend you get rate quotes from independent agents in order to have the best price comparison.

Exclusive Agencies

Exclusive agents can only place business with one company and some examples include Farmers Insurance or State Farm. They are unable to compare other company's rates so if the price isn't competitive there isn't much they can do. Exclusive insurance agents are well trained on sales techniques and that allows them to sell at a higher price point.

Selecting an auto insurance agent shouldn't rely on just the quoted price. Any agent in Ashtabula should be willing to answer these questions.

Upon receiving satisfactory answers for all questions you ask in addition to an acceptable price estimate, chances are good that you have found an auto insurance agent that is a good match to adequately provide auto insurance. But keep in mind you are able to cancel your coverage whenever you want so don't think that you're stuck with any particular company with no way out.

Car insurance claim information

Are you driving a vehicle that ranks high in claims? The claim statistics below show the best and worst vehicle makes and models for the probability of filing claims.

Vehicle Make and Models with the Lowest and Highest Collision Insurance Claims
Lowest Claim Frequency Highest Claim Frequency
Ford F-250 SuperCab Bently Continental GTC
Ford Edge Maserati Ghibli
Jeep Wrangler Bently Continental GT
Nissan Xterra BMW 6 Series
Smart ForTwo BMW M6
GMC Canyon Nissan GT-R

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

Lowest and Highest Liability Coverage Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Acura MDX Kia Optima
Fiat 500 Chevrolet Sonic
Volvo XC60 Chrysler 200
Subaru Outback Kia Rio
Chevrolet Corvette Dodge Charger
Mercedes-Benz SL Class Mitsubishi Lancer

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

Manufacturer Models with the Lowest and Highest Car Insurance Medical Payment Claims
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Silverado 3500 Kia Forte
Ford F-250 SuperCrew Chrysler 200
Audi A4 Allroad Chevrolet Spark
Ford Expedition Chevrolet Sonic
Land Rover Range Rover Sport Dodge Charger
Tesla Model S Nissan Versa

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

Manufacturer Models with the Lowest and Highest Comprehensive Insurance Claims
Lowest Claim Frequency Highest Claim Frequency
Infiniti QX50 Mercedes-Benz S Class
Smart ForTwo Maserati Granturismo
Volvo V60 Maserati Quattroporte
Ford F-350 Bentley Continental GT
GMC Sierra 2500 Audi S7
Chevy Silverado 2500 BMW M6

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

Persistence pays off

More affordable insurance in Ashtabula can be found on the web in addition to many Ashtabula insurance agents, so get free Ashtabula auto insurance quotes from both of them to have the best chance of lowering rates. Some insurance providers may not offer rate quotes online and these small insurance companies provide coverage only through local independent agencies.

As you go through the steps to switch your coverage, it's a bad idea to buy poor coverage just to save money. In many instances, an accident victim reduced comprehensive coverage or liability limits only to find out that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage at an affordable rate and still be able to protect your assets.

We just covered some good ideas how to compare insurance prices in Ashtabula. The most important thing to understand is the more you quote Ashtabula auto insurance, the higher the chance of saving money. You may even be surprised to find that the lowest prices are with a small local company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, GEICO and Nationwide.

Additional resources