Want to learn how to find the cheapest car insurance rates in Solon, OH? Solon drivers have a choice when trying to find affordable car insurance. They can either spend hours contacting agents to get rate comparisons or use the internet to find the lowest rates. There is a right way and a wrong way to compare car insurance rates and you need to know the quickest way to compare rates for your and find the lowest price.

You should make it a habit to price shop coverage before your next renewal because car insurance prices fluctuate regularly. Just because you had the best rates on car insurance on your last policy a different company probably has better rate quotes today. Block out anything you think you know about car insurance because you're about to find out the quickest way to buy cheaper car insurance.

If you have insurance now or need new coverage, use these cost-cutting techniques to buy cheaper car insurance and still have adequate protection. Our objective is to teach you the best methods to compare rates and how to save the most money. Drivers just have to understand the tricks to get comparison quotes over the internet.

Save money by earning discounts

Insurance can cost an arm and a leg, but you may qualify for discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be specifically requested before you get the savings. If they aren't giving you every credit possible, you may be paying too high a price.Cheaper car insurance with discounts

As a disclaimer on discounts, most credits do not apply to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, you won't be that lucky.

Larger car insurance companies and some of the discounts include:

When getting a coverage quote, ask all companies you are considering which discounts you may be entitled to. Savings might not apply in Solon.

Finding car insurance in Solon

Finding a lower price on insurance can be quick and easy. You just need to take a couple of minutes comparing rate quotes from online providers.

The companies in the list below provide free quotes in Ohio. If more than one company is shown, it's a good idea that you click on several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Solon
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS AWD $776 $388 $65
Chevrolet Silverado Crew Cab Hybrid 2WD $862 $431 $72
Dodge Ram Crew Cab SLT 4WD $1,056 $528 $88
Ford Escape XLS 2WD $564 $282 $47
Ford F-150 XL Crew Cab 4WD $678 $339 $57
Ford Focus SES 2-Dr Coupe $714 $357 $60
GMC Sierra SLT Crew Cab 2WD $822 $411 $69
Honda Accord EX 4-Dr Sedan $504 $252 $42
Honda CR-V LX 2WD $586 $293 $49
Honda Civic EX 2-Dr Coupe $882 $441 $74
Hyundai Sonata SE 4-Dr Sedan $898 $449 $75
Kia Optima SX $878 $439 $73
Nissan Altima 3.5 SR 2-Dr Coupe $1,074 $537 $90
Nissan Rogue S AWD $740 $370 $62
Toyota Camry XLE $632 $316 $53
Toyota Corolla S $730 $365 $61
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Table data does not factor in Solon location which can modify coverage prices considerably.

Car insurance premiums by gender

The example below illustrates the comparison of insurance premiums for male and female drivers in Solon. Data assumes a clean driving record, no claims, comp and collision included, $1,000 deductibles, single marital status, and no discounts are factored in on a GMC Acadia SL.

GMC Acadia rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Higher deductibles lower rates

When comparing car insurance rates, the most common question is which comprehensive and collision deductibles to buy. The rates below can help show the rate fluctuation of buying low and high physical damage coverage deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second price table uses a $1,000 deductible.

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

Ford Fusion insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $196 $352 $226 $14 $68 $881 $73
Fusion SE 4-Dr Sedan $220 $416 $226 $14 $68 $969 $81
Fusion Hybrid 4-Dr Sedan $220 $478 $284 $16 $84 $1,107 $92
Fusion SEL 4-Dr Sedan $220 $416 $226 $14 $68 $969 $81
Fusion Sport 4-Dr Sedan $220 $416 $226 $14 $68 $969 $81
Fusion SEL AWD 4-Dr Sedan $246 $478 $226 $14 $68 $1,057 $88
Fusion Sport AWD 4-Dr Sedan $246 $478 $226 $14 $68 $1,057 $88
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Ford Fusion insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $108 $186 $226 $14 $68 $602 $50
Fusion SE 4-Dr Sedan $122 $220 $226 $14 $68 $650 $54
Fusion Hybrid 4-Dr Sedan $122 $252 $284 $16 $84 $758 $63
Fusion SEL 4-Dr Sedan $122 $220 $226 $14 $68 $650 $54
Fusion Sport 4-Dr Sedan $122 $220 $226 $14 $68 $650 $54
Fusion SEL AWD 4-Dr Sedan $136 $252 $226 $14 $68 $696 $58
Fusion Sport AWD 4-Dr Sedan $136 $252 $226 $14 $68 $696 $58
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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 multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price estimates do not factor in specific zip code location which can increase or decrease premiums greatly.

Using the data above, we can ascertain that using a $100 deductible will cost you roughly $27 more each month or $324 for a full year than requesting the higher $1,000 deductible. Because you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 33 months between claim filings, you would probably come out ahead if you choose the higher deductible.

Your auto insurance coverage should be tailored to you

Always keep in mind that when comparing a policy, there isn't really a cookie cutter policy. Everyone's needs are different and your auto insurance should unique, too.Auto insurance savings These are some specific questions can aid in determining if your insurance needs might need professional guidance.

If you're not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It's fast, free and may give you better protection.

Best and worst vehicle claim statistics

Which makes and models have the fewest claims? The statistics tables below show the worst and best models for likelihood of filing claims for each type of coverage.

Liability Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Subaru Forester Mitsubishi Lancer
Fiat 500 Chrysler 200
Acura MDX Mitsubishi Mirage
Volvo XC60 Kia Optima
Mercedes-Benz SL Class Chevrolet Cruze
Audi A6 Hyndai Accent

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Medical Payment Claims by Manufacturer Model
Lowest Claims Highest Claims
Chevrolet Corvette Chevrolet Spark
Land Rover Range Rover Sport Kia Forte
Audi A4 Allroad Nissan Sentra
Chevrolet Silverado 3500 Mitsubishi Mirage
Tesla Model S Dodge Charger
Ford F-350 SuperCrew Chrysler 200

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Collision Coverage Claims by Vehicle Model
Lowest Claims Highest Claims
GMC Canyon Ferrari 458
Jeep Wrangler Maserati Ghibli
Mini Cooper BMW 6 Series
Ford Edge Bentley Continental Flying Spur
Ford F-250 SuperCab Bently Continental GT
Nissan Xterra Maserati Granturismo

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Comprehensive Coverage Claims
Lowest Claims Highest Claims
Nissan Leaf Maserati Quattroporte
Smart ForTwo BMW M6
Chevy Silverado 2500 Porsche Panamera GTS
GMC Sierra 2500 Maserati Granturismo
Infiniti QX50 BMW M6
Volvo V60 Bentley Continental GTC

Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Don't give up on affordable premiums

Cheap car insurance in Solon is possible both online and from local agencies, so you need to shop Solon car insurance with both in order to have the best chance of saving money. Some insurance providers do not provide rate quotes online and many times these regional carriers sell through local independent agencies.

We just showed you many ideas to save on car insurance in Solon. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the best prices are with a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

For more information, feel free to visit the resources below: