Are you sick and tired of paying out the nose to insure your vehicles every month? Your situation is no different than most other drivers in Ohio.

Astonishing but true, nearly 70% of consumers kept their policy with the same company for a minimum of four years, and virtually 40% of consumers have never compared rates with other companies. Consumers in Kettering can save hundreds of dollars each year just by shopping around, but they just assume it takes a lot of time to compare rate quotes online.

Insurance companies such as State Farm and GEICO persitently shower you with ad campaigns and it can be hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

When price shopping your coverage, comparing more quotes provides better odds of finding a lower rate.

The car insurance companies shown below provide quotes in Kettering, OH. If multiple providers are shown, we recommend you get price quotes from several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Kettering
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT 2WD $604 $302 $50
Chevrolet Silverado LTZ Extended Cab 4WD $852 $426 $71
Dodge Ram Quad Cab SLT 4WD $766 $383 $64
Ford Escape XLS 2WD $564 $282 $47
Ford F-150 XL Super Cab 2WD $628 $314 $52
Ford Focus SES 4-Dr Sedan $644 $322 $54
Honda Accord LX-S 2-Dr Coupe $770 $385 $64
Honda CR-V LX 4WD $444 $222 $37
Honda Civic EX-L 4-Dr Sedan $670 $335 $56
Nissan Altima 2.5 S 2-Dr Coupe $860 $430 $72
Toyota Camry LE $692 $346 $58
Toyota Corolla XLE $748 $374 $62
Toyota Prius $566 $283 $47
Volkswagen Jetta SE 2.5 Station Wagon $674 $337 $56
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Prices do not factor in vehicle location which can increase or decrease coverage prices substantially.

Reckless driving habits raise auto insurance rates

The chart below illustrates how violations and accident claims can influence Nissan Sentra premium costs for different insured age categories. The rate quotes are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

Nissan Sentra rates are for example purposes only. To get rates for your specific vehicle, click here.

An analysis of deductible level

A question often asked by Kettering drivers is where to set your physical damage deductibles. The rates shown below lay out the price difference of buying low and high comp and collision deductibles. The first rate table uses a $250 physical damage coverage deductible and the second price chart uses a $1,000 deductible.

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

Chevrolet Tahoe insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $176 $296 $226 $14 $68 $805 $67
Tahoe LS 4WD $198 $296 $226 $14 $68 $827 $69
Tahoe LT 2WD $198 $296 $226 $14 $68 $827 $69
Tahoe LT 4WD $198 $296 $226 $14 $68 $827 $69
Tahoe LTZ 2WD $198 $348 $226 $14 $68 $879 $73
Tahoe LTZ 4WD $198 $348 $226 $14 $68 $879 $73
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Chevrolet Tahoe insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $108 $186 $226 $14 $68 $602 $50
Tahoe LS 4WD $122 $186 $226 $14 $68 $616 $51
Tahoe LT 2WD $122 $186 $226 $14 $68 $616 $51
Tahoe LT 4WD $122 $186 $226 $14 $68 $616 $51
Tahoe LTZ 2WD $122 $220 $226 $14 $68 $650 $54
Tahoe LTZ 4WD $122 $220 $226 $14 $68 $650 $54
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Price estimates do not factor in zip code location which can change price quotes substantially.

We can estimate from the data above that using a $250 deductible will cost you approximately $18 more each month or $216 annually than opting for the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 42 months between claim filings, you would come out ahead if you decide on a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $70
Average monthly premium for $1,000 deductibles (subtract): - $52
Monthly savings from raising deductible: $18
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 42 months

When should I discuss my situation with an agent?

When quoting and comparing your policy, there really is not a cookie cutter policy. Your financial needs are unique and a cookie cutter policy won't apply.Auto insurance savings Here are some questions about coverages that might help in determining if your insurance needs 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 don't have a local agent, complete this form or you can also visit this page to select a carrier