No one in their right mind gets a kick out of paying for auto insurance, especially when they are aware that they are paying too much.

A recent NerdWallet.com study revealed that most auto insurance customers have stayed with the same insurance company for over three years, and nearly half have never compared rate quotes at all. Athens drivers can cut their rates by about $729 a year, but they just don't want to compare rate quotes online. Big-name insurance companies like State Farm, Allstate, GEICO and Progressive continually bombard you with fancy advertisements and consumers find it hard to separate fact from fiction and take the time to shop coverage around.

It is always a good idea to shop coverage around before your next renewal due to the fact that insurance prices fluctuate regularly. Just because you found the lowest price on auto insurance a few years ago a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because you're about to learn the tricks you need to know to find the best coverage while lowering your premiums.

If you already have coverage or just want a better rate, use these cost-cutting techniques to reduce premiums without reducing coverage. Locating the best rates in Athens is much easier if you know where to start. Drivers just need to understand the quickest way to compare different rates online.

Best companies for competitive rate quotes in Ohio

The companies shown below are our best choices to provide free quotes in Athens, OH. If multiple companies are listed, it's a good idea that you visit several of them to get the best price comparison.

Insurance Rates for Popular Vehicles in Athens
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Crew Cab 2WD $876 $438 $73
Dodge Grand Caravan Crew $826 $413 $69
Dodge Ram Quad Cab TRX4 Off Road 4WD $802 $401 $67
Ford Escape XLT 2WD $680 $340 $57
Ford Explorer XLT 2WD $562 $281 $47
Ford F-150 Lariat Crew Cab 4WD $706 $353 $59
Ford Focus SES 4-Dr Sedan $926 $463 $77
GMC Sierra SL Extended Cab 2WD $808 $404 $67
Honda Accord LX-P 4-Dr Sedan $656 $328 $55
Honda CR-V EX-L 4WD $596 $298 $50
Honda Civic DX 4-Dr Sedan $670 $335 $56
Hyundai Sonata Limited 4-Dr Sedan $1,038 $519 $87
Jeep Grand Cherokee Laredo 4WD $764 $382 $64
Kia Optima EX $616 $308 $51
Mazda 3 S Sport 4-Dr Sedan $768 $384 $64
Nissan Altima 2.5 S 2-Dr Coupe $822 $411 $69
Toyota Camry SE $834 $417 $70
Toyota Corolla XLE $646 $323 $54
Toyota Prius $562 $281 $47
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle garaging location which can affect premium rates greatly.

Raise deductibles and save

The illustration below shows how choosing a deductible and can affect Chevrolet Malibu insurance rates for each different age category. The data assumes a single female driver, full physical damage coverage, and no additional discounts are factored in.

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

Higher deductibles lower rates

When buying car insurance, a common question is which deductible level should you buy. The premium rates below may help to conceptualize the difference in cost when you select higher and lower policy deductibles. The first data set uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

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

Hyundai Sonata insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $176 $296 $256 $16 $76 $845 $70
Sonata GLS 4-Dr Sedan $176 $296 $256 $16 $76 $845 $70
Sonata GLS 4-Dr Sedan $176 $296 $256 $16 $76 $845 $70
Sonata SE 4-Dr Sedan $176 $348 $256 $16 $76 $897 $75
Sonata SE 4-Dr Sedan $176 $348 $256 $16 $76 $897 $75
Sonata Limited 4-Dr Sedan $198 $348 $256 $16 $76 $919 $77
Sonata Limited 4-Dr Sedan $198 $348 $256 $16 $76 $919 $77
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Hyundai Sonata insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sonata GLS 4-Dr Sedan $142 $238 $256 $16 $76 $728 $61
Sonata GLS 4-Dr Sedan $142 $238 $256 $16 $76 $728 $61
Sonata GLS 4-Dr Sedan $142 $238 $256 $16 $76 $728 $61
Sonata SE 4-Dr Sedan $142 $280 $256 $16 $76 $770 $64
Sonata SE 4-Dr Sedan $142 $280 $256 $16 $76 $770 $64
Sonata Limited 4-Dr Sedan $160 $280 $256 $16 $76 $788 $66
Sonata Limited 4-Dr Sedan $160 $280 $256 $16 $76 $788 $66
Get a Quote for Your Vehicle Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rate information does not factor in specific garaging location which can modify premium rates greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $10 more each month or $120 a year than quoting the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 25 months between claims, you would more than likely save some money if you decide on a higher deductible. Here is how this calculation is made.

Average monthly premium for $250 deductibles: $73
Average monthly premium for $500 deductibles (subtract): - $63
Monthly savings from raising deductible: $10
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $10
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

One important caveat is that a higher deductible level results in more money out-of-pocket when you do file a claim. That will force you to have enough money in the bank in the event you need to pay more to get your vehicle repaired.

How accidents and violations affect rates in Athens

The example below highlights how traffic violations and at-fault accidents increase Chevrolet Malibu auto insurance rates for different age groups. The price estimates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

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

Determine discounts to get cheap Athens car insurance rates

Car insurance companies don't necessarily list all possible discounts in a way that's easy to find, so below is a list a few of the more common as well as the least known ways to save on car insurance. If you are not receiving all the discounts possible, you could be getting lower rates.Car insurance discounts

As a disclaimer on discounts, most credits do not apply to all coverage premiums. Most cut individual premiums such as comp or med pay. So despite the fact that it appears you could get a free car insurance policy, insurance companies wouldn't stay in business. But all discounts will cut your premiums.

Large car insurance companies and some of their more popular discounts are detailed below.

Before buying, ask every insurance company which discounts you may be entitled to. Savings may not be offered in Athens. To view car insurance companies that offer multiple discounts in Athens, click here to view.

Tailor your car insurance coverage to you

When it comes to buying coverage, there is no "perfect" insurance plan. Everyone's situation is unique.Car insurance savings

For example, these questions might point out if your situation may require specific advice.

If you can't answer these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

More comparisons equals cheaper rates

You just read a lot of tips how to save on car insurance in Athens. The key concept to understand is the more companies you get rates for, the higher your chance of finding cheap Athens auto insurance quotes. Drivers may even discover the most savings is with a small local company.

Budget-friendly car insurance in Athens is attainable both online in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who don't offer price quotes online and usually these smaller companies only sell coverage through independent agents.

As you prepare to switch companies, never buy poor coverage just to save money. Too many times, an insured dropped collision coverage and learned later that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

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