Finding a different company that has cheap Akron auto insurance can be a challenge if you are someone who has never done rate quotes online. But don't throw in the towel because we're going to show you how.

It's hard to believe, but over 70% of consumers renewed their policy with the same company for well over three years, and roughly 40% of drivers have never quoted rates to find cheap coverage. Akron insurance shoppers could cut their rates by almost 55% a year just by comparing rates, but most just don't grasp the large savings they would see if they moved their coverage to a different company.

It's important to shop coverage around occasionally because insurance prices go up and down regularly. Just because you found the best deal on auto insurance a few years ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because you're going to learn the best way to find better rates and still maintain coverage.

Getting quotes for more affordable auto insurance policy in Akron is actually quite simple. In essence, every vehicle owner who needs cheaper auto insurance will probably be able to find lower rates. But Ohio vehicle owners must know the methods companies use to market on the web and use it to find better rates.

There are several ways of comparing rate quotes from companies that offer insurance in Ohio. The recommended way to find affordable insurance rates consists of shopping online.

When price shopping your coverage, comparing more quotes helps increase your odds of locating more affordable insurance.

The auto insurance companies shown below can provide quotes in Akron, OH. If multiple companies are listed, we recommend you visit as many as you can to get a more complete price comparison.

Insurance Rates for Popular Vehicles in Akron
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $636 $318 $53
Chevrolet Malibu LS $684 $342 $57
Chevrolet Silverado Crew Cab Hybrid 4WD $1,012 $506 $84
Dodge Ram Crew Cab Sport 2WD $802 $401 $67
Ford Escape XLT 4WD $752 $376 $63
Ford F-150 XLT Super Cab 4WD $668 $334 $56
Ford Focus SE 2-Dr Coupe $676 $338 $56
Honda Accord LX-P 4-Dr Sedan $678 $339 $57
Honda CR-V EX-L 2WD $618 $309 $52
Honda Civic LX 2-Dr Coupe $1,080 $540 $90
Jeep Wrangler Unlimited Sport 2WD 4-Dr $844 $422 $70
Mazda 3 I Sport 4-Dr Sedan $764 $382 $64
Nissan Altima Hybrid 4-Dr Sedan $648 $324 $54
Toyota Camry XLE $730 $365 $61
Toyota Corolla S $636 $318 $53
Toyota Prius $750 $375 $63
Toyota RAV4 2WD $802 $401 $67
Get Your Own Custom Quote Go

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Information does not factor in specific garaging location which can modify premium rates greatly.

Comparison of full coverage and liability-only policies

The example below visualizes the comparison of Chevrolet Silverado insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in Ohio. The premiums are based on no tickets, no at-fault accidents, $100 deductibles, married female driver, and no other discounts are factored in.

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

Deciding between full coverage and liability only

There is no definitive formula to drop physical damage coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then it's probably a good time to buy liability coverage only.

For example, let's say your Chevrolet Silverado settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $4,000 after the policy deductible has been paid. If it's costing in excess of $400 a year for full coverage, then it's probably a good time to buy liability coverage only.

There are some scenarios where dropping physical damage coverage is not recommended. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Three good reasons to insure your vehicle

Despite the high insurance cost in Akron, maintaining insurance is not optional due to several reasons.

The benefits of insuring your car outweigh the cost, particularly for liability claims. Despite what companies tell you, the average driver overpays more than $750 every year so compare rate quotes at least once a year to be sure current rates are still competitive.

Lower the price of insurance with these tips

The best way to find cheaper insurance is to take a look at some of the factors that help determine the level of your policy premiums. If you have some idea of what impacts premium levels, this helps enable you to make changes that may result in much lower annual insurance costs.

Credit history impacts prices - An insured's credit score will be a significant factor in your rate calculation. Drivers with very high credit ratings tend to be better drivers and file fewer claims than those with worse credit. So if your credit history is not that good, you could pay less to insure your vehicle if you clean up your credit.

Expect high rates for teens - Older people are more responsible, cost insurance companies less in claims, and are generally more financially stable.Young drivers are known to be careless and easily distracted in a vehicle and because of this, their insurance rates are much higher.

Where you live can impact prices - Being located in smaller towns and rural areas of the country is a good thing when buying insurance. Fewer people means less chance of accidents in addition to fewer liability claims. People in densely populated areas regularly have much more traffic and higher rates of accident claims. More time commuting statistically corresponds to a higher accident and claim rate.

Married people drive safer - Having a significant other may cut your premiums when buying insurance. Having a significant other generally demonstrates drivers are more mature than a single person and insurance companies like that married drivers tend to have fewer serious accidents.

Vehicle options that cut rates - Selecting a car model with advanced anti-theft systems can help lower your rates. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms help track and prevent car theft and help bring rates down.

Pay more out-of-pocket - Insurance for physical damage, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply would be a broken side mirror, flood damage, or theft. Your deductibles represent how much money the insured will be required to pay if a claim is determined to be covered. The higher the amount the insured has to pay upfront, the better rate you will receive.

Don't cancel your policy without a new one in place - Having an insurance coverage lapse can be a sure-fire way to pay more for insurance. Not only will you pay more, not being able to provide proof of insurance may earn you a revoked license or a big fine. You will then be forced to submit proof of financial responsibility or a SR-22 with the Ohio DMV.

Males tend to take more risk - Statistics show women tend to be less risk to insure than men. The data does not necessarily mean that females are better at driving than males. Females and males tend to get into at-fault accidents at a similar rate, but guys have costlier accidents. Men also get ticketed for serious violations like driving under the influence (DUI).

Cheaper rates with these discounts on auto insurance

Some insurers don't always list every discount they offer in an easy-to-find place, so below is a list a few of the more common in addition to some of the lesser obvious credits available to you.Auto insurance discounts

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, it just doesn't work that way.

If you would like to choose from a list of insurers who offer cheap auto insurance quotes in Akron in Akron, click here to view.

Which policy gives me the best coverage?

Keep in mind that when it comes to choosing your policy for your vehicles, there isn't really a cookie cutter policy. Your needs are not the same as everyone else's and your policy should reflect that.Auto insurance savings These are some specific questions might help in determining if you might need an agent's assistance.

If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Car insurance agents can help

Certain consumers still like to have an agent's advice and that can be a great decision An additional benefit of comparing insurance prices online is that drivers can save money and get cheaper car insurance rates and still have a local agent. And supporting small agencies is definitely important in Akron.

Akron insurance agentsAfter filling out this simple form, the coverage information is instantly submitted to local insurance agents who will return price quotes for your auto insurance coverage. You don't have to leave your house because quoted prices will be sent instantly to you. You can find lower rates without requiring a lot of work. If for some reason you want to get a comparison quote from a specific company, you just need to jump over to their website and submit a quote form there.

If you are wanting to purchase auto insurance from a reliable insurance agency, it can be helpful to understand the different agency structures that you can choose from. Akron agents can be described as either independent agents or exclusive agents.

Independent Auto Insurance Agencies

Agents in the independent channel do not have single company limitations so they can quote policies with any number of different companies and get the cheapest rates. If your premiums go up, an independent agent can move your coverage which requires no work on your part. If you are comparing rate quotes, we recommend you include price quotes from several independent insurance agents for the best price selection. Most also write with smaller regional carriers that may provide cheaper auto insurance rates.

Featured below is a partial list of independent insurance agencies in Akron who may provide pricing information.

View more Akron agents

Exclusive Agencies

Exclusive insurance agents generally can only insure with one company and some examples include Farmers Insurance and State Farm. Exclusive agents cannot provide rate quotes from other companies so if the price isn't competitive there isn't much they can do. Exclusive agents are usually quite knowledgeable on what they offer which helps them compete with independent agents. Some consumers prefer to buy insurance from these agents partially due to the prominent brand name rather than low rates.

The following is a list of exclusive insurance agents in Akron willing to provide price quote information.

View more Akron agents

Finding the right car insurance agent shouldn't rely on just a low price. These questions are important to ask:

Insurance claim statistics

Which vehicles tend to have high claims? The following claim statistics list the highest and lowest makes and models for overall likelihood of having large claims organized by coverage.

Comprehensive Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Nissan Leaf Mercedes-Benz S Class
GMC Sierra 2500 Maserati Granturismo
Volvo V60 Bentley Continental GTC
Ford F-350 Porsche Panamera GTS
Chevy Silverado 2500 BMW M6
Smart ForTwo Maserati Quattroporte

Statistics from IIHS.org for 2013-2015 Model Years

Liability Coverage Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Volvo XC60 Dodge Charger
Subaru Forester Chevrolet Cruze
Chevrolet Corvette Chrysler 200
Subaru Outback Chevrolet Sonic
Fiat 500 Kia Optima
Mercedes-Benz SL Class Chevrolet Impala

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Collision Coverage Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Ford F-250 SuperCab Audi RS7
Smart ForTwo Bently Continental GTC
Ford F-150 SuperCrew Nissan GT-R
Nissan Xterra Bently Continental GT
Ford Edge Maserati Ghibli
Mini Cooper BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Car Insurance Medical Payment Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Audi A4 Allroad Kia Forte
Ford F-250 SuperCrew Chevrolet Sonic
Ford Expedition Chrysler 200
Tesla Model S Dodge Charger
Land Rover Range Rover Sport Hyundai Accent
Ford F-350 SuperCrew Nissan Versa

Statistics from IIHS.org for 2013-2015 Model Years

Quote. Compare. Save.

In this article, we covered quite a bit of information on how to compare car insurance auto insurance rates in Akron. The most important thing to understand is the more price quotes you have, the higher your chance of finding the cheapest Akron auto insurance quotes. You may even discover the lowest auto insurance rates come from a small local company. They may have significantly lower premium rates on certain market segments as compared to the big name companies such as Progressive and GEICO.

Budget-conscious car insurance can be purchased from both online companies and also from your neighborhood Akron agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not provide rate quotes online and most of the time these regional insurance providers only sell coverage through independent insurance agents.

As you restructure your insurance plan, it's very important that you do not reduce coverage to reduce premium. There are many occasions where someone sacrificed physical damage coverage only to regret that it was a big error on their part. The goal is to buy enough coverage at the best possible price while still protecting your assets.

Additional detailed information can be read in the articles below: