Are you overwhelmed by the number of auto insurance choices in Columbus? Many other people are as well. You have so many choices to choose from that it can be a difficult mission to find a more affordable company. Everyone knows Columbus has many things to offer, but inflated auto insurance prices can make it difficult for lots of drivers to buy full coverage.
A recent auto insurance study discovered that over 70% of drivers have purchased from the same company for at least four years, and 38% of customers have never even shopped around for cheaper coverage. Most drivers in Ohio can cut their rates by roughly $730 a year by just comparing rate quotes, but they just don't understand how easy it is to save money by comparing rate quotes.
It's a great practice to take a look at other company's rates before your policy renews since insurance prices are variable and change quite frequently. Despite the fact that you may have had the best deal on Chevy Silverado insurance in Columbus a few years ago you can probably find a better rate quote now. Forget all the misinformation about auto insurance because you're going to learn the best way to find lower rates on auto insurance.
Cheap auto insurance in Columbus, OH
The auto insurance companies shown below are ready to provide free rate quotes in Ohio. If multiple companies are shown, it's highly recommended you visit as many as you can to get the most affordable price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Silverado LS Regular Cab 2WD||$82||$150||$270||$16||$80||$598||$50|
|Silverado LS Regular Cab 4WD||$96||$166||$218||$12||$66||$558||$47|
|Silverado LT Regular Cab 2WD||$104||$210||$334||$20||$100||$768||$64|
|Silverado LT Regular Cab||$94||$182||$270||$16||$80||$642||$54|
|Silverado LS Extended Cab 4WD||$136||$252||$218||$12||$66||$684||$57|
|Silverado LT Extended Cab 4WD||$106||$214||$274||$16||$82||$692||$58|
|Silverado LT Extended Cab 2WD||$170||$290||$262||$16||$78||$816||$68|
|Silverado LS Extended Cab 2WD||$106||$214||$310||$18||$92||$740||$62|
|Silverado LT Crew Cab 4WD||$152||$288||$214||$12||$64||$730||$61|
|Silverado LS Crew Cab 2WD||$214||$408||$262||$16||$78||$978||$82|
|Silverado LS Crew Cab 4WD||$106||$214||$256||$16||$76||$668||$56|
|Silverado LT Crew Cab 2WD||$158||$322||$310||$18||$92||$900||$75|
|Silverado LTZ Extended Cab 2WD||$244||$512||$346||$20||$104||$1,226||$102|
|Silverado LTZ Extended Cab 4WD||$216||$478||$274||$16||$82||$1,066||$89|
|Silverado LTZ Crew Cab 2WD||$94||$182||$242||$14||$72||$604||$50|
|Silverado LTZ Crew Cab 4WD||$96||$186||$218||$12||$66||$578||$48|
|Silverado Crew Cab Hybrid 2WD||$180||$368||$234||$14||$70||$866||$72|
|Silverado Crew Cab Hybrid 4WD||$140||$274||$218||$12||$66||$710||$59|
|Get Your Own Custom Quote Go|
Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Estimates do not factor in zip code location which can lower or raise insurance rates noticeably.
Rate comparison of male drivers versus female drivers
The chart below visualizes the comparison of Chevrolet Silverado annual premium costs for male and female drivers. The rates are based on no claims or violations, comp and collision included, $250 deductibles, single marital status, and no other discounts are factored in.
Do you qualify for discounts?
Some insurers don't list all available discounts very well, so the next list breaks down both the well known in addition to some of the lesser obvious credits that may apply to you. If you do not double check each discount available, you are just wasting money.
- Anti-lock Brake System - Cars and trucks that have anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
- Sign Online - Some of the larger companies provide a small discount for buying a policy and signing up digitally online.
- Membership in Organizations - Belonging to qualifying employment or professional organizations is a good way to get lower rates on your next auto insurance statement.
- Save over 55 - If you qualify as a senior citizen, you are able to get better auto insurance rates.
- Seat Belt Discounts - Buckling up and requiring all passengers to buckle up can save a little on the premium charged for medical payments and/or PIP.
- Pay Early and Save - If you can afford to pay the entire bill as opposed to paying monthly you could save up to 5%.
As a footnote on discounts, most discounts do not apply to the whole policy. Some only reduce individual premiums such as physical damage coverage or medical payments. Even though the math looks like adding up those discounts means a free policy, you won't be that lucky.
To see a list of insurers with significant discounts in Columbus, click here.
Local insurance agents
Many drivers just prefer to get professional advice from a licensed agent and that is OK! One of the benefits of getting online price quotes is you can get the lowest rates and still have a local agent.
Once you complete this short form, your coverage information is sent to local insurance agents who can give free rate quotes for your coverage. There is no need to do any legwork because quoted prices will be sent straight to your inbox. Get lower rates and a licensed agent to talk to. If you want to get a rate quote from a specific insurance company, just navigate to their website and submit a quote form there.
Choosing an provider needs to be determined by more than just a cheap quote. The following questions are important to ask.
- How much experience to they have in personal lines coverages?
- Can they help ensure a fair claim settlement?
- Do the coverages you're quoting properly cover your vehicle?
- How much can you save by raising your physical damage deductibles?
- Are they involved in claim handling?
- Can they give you a list of client referrals?
If you are wanting to purchase car insurance from a reputable insurance agent or broker, it's important to understand the types of agencies and how they can quote your rates. Columbus agents are considered either independent or exclusive.
Exclusive Car Insurance Agencies
Agents of this type can usually just insure with one company such as American Family, State Farm, and Allstate. These agents are not able to provide prices from multiple companies so always compare other rates. Exclusive insurance agents are usually quite knowledgeable on their company's products which helps overcome the inability to quote other rates. Many people use the same agent primarily because of loyalty to the company rather than having low rates.
Listed below are exclusive insurance agents in Columbus who may provide you with price quote information.
- Vic Jimenez - State Farm Insurance Agent
35 N Wilson Rd - Columbus, OH 43204 - (614) 272-5456 - View Map
- Ted Briggs - State Farm Insurance Agent
2545 Petzinger Rd L - Columbus, OH 43209 - (614) 235-6667 - View Map
- Jack Gilkerson - State Farm Insurance Agent
4232 E Main St - Whitehall, OH 43213 - (614) 237-4256 - View Map
Independent Agencies or Brokers
These type of agents are not required to write business for one company and that gives them the ability to insure through lots of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they can switch companies in-house which makes it simple for you.
If you are comparing rate quotes, you absolutely need to include rate quotes from multiple independent agents to have the best price comparison. Most also have access to companies you've never heard of that can offer cheaper rates than bigger companies.
Listed below is a short list of independent agents in Columbus willing to provide comparison quotes.
- Ansong Insurance Agency
5272 Cleveland Ave - Columbus, OH 43231 - (614) 259-3635 - View Map
- John Dawson Associates
6025 Cleveland Ave - Columbus, OH 43231 - (614) 890-1660 - View Map
- IHT Insurance Agency Group LLC
655 Metro Pl S Suite 330 - Dublin, OH 43017 - (614) 761-2825 - View Map
Are auto insurance companies telling the truth?
Auto insurance providers like GEICO, State Farm and Progressive consistently run ads in print and on television. All the companies make an identical promise about saving some big amount if you switch your coverage to them. How do they all offer drivers better rates?
Many companies quote their cheapest rates for the type of customer that makes them money. For example, a desirable insured might have to be a mature driver, has few claims, and drives less than 5,000 miles a year. Someone that hits that "sweet spot" will probably get cheap premium rates and will save a lot of money.
Consumers who do not fit this stringent profile will have to pay a more expensive rate which translates to the customer buying from someone else. The trick companies use is to say "people that switch" not "everyone that quotes" can save as much as they claim. That's the way insurance companies can confidently claim big savings. Because of the profiling, you really should do a quote comparison often. It's impossible to know which insurance companies will have the lowest rate quotes.
One last thing about your coverage
When you buy Columbus car insurance online, it's a bad idea to reduce needed coverages to save money. Too many times, consumers will sacrifice physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.
Insureds change insurance companies for a variety of reasons including policy non-renewal, delays in paying claims, poor customer service or even questionable increases in premium. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.
In this article, we covered a lot of ways to compare Chevy Silverado insurance rates in Columbus. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the biggest savings come from the smaller companies.
More information is available at these links:
- Keeping Children Safe in Crashes Video (iihs.org)
- Who Has Cheap Ohio Auto Insurance Rates for Teenage Males? (FAQ)
- Who Has Affordable Ohio Car Insurance Quotes for High Mileage Drivers? (FAQ)
- Who Has the Cheapest Ohio Auto Insurance Rates for Drivers Under 25? (FAQ)
- What if I Can't Find Coverage? (Insurance Information Institute)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)