Locating the cheapest insurance for your car in Ohio can be difficult, but you can use the following methods to save time.

There is a better way to find insurance online so you're going to learn the absolute fastest way to price shop coverage on a and find the best price possible from Mason insurance agents and online providers.

The companies in the list below offer free quotes in Ohio. If multiple companies are shown, we suggest you visit several of them to get the cheapest price.

Insurance Price Estimates for Popular Vehicles in Mason
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS AWD $680 $340 $57
Chevrolet Impala LT $668 $334 $56
Chevrolet Silverado LTZ Extended Cab 2WD $894 $447 $75
Dodge Ram Crew Cab Laramie 2WD $1,056 $528 $88
Ford Escape XLT 4WD $770 $385 $64
Ford F-150 XL Super Cab 2WD $580 $290 $48
Ford Focus SE 4-Dr Sedan $612 $306 $51
Honda Accord EX-L 4-Dr Sedan $806 $403 $67
Honda CR-V LX 2WD $652 $326 $54
Honda Civic SI 4-Dr Sedan $758 $379 $63
Honda Odyssey EX-L W/Rear Entertainment $646 $323 $54
Jeep Wrangler Sport 4WD 2-Dr $700 $350 $58
Mazda 3 I Sport 4-Dr Sedan $680 $340 $57
Nissan Altima 3.5 SR 2-Dr Coupe $848 $424 $71
Nissan Rogue SL 2WD $766 $383 $64
Toyota Camry XLE $1,038 $519 $87
Toyota Corolla XRS $978 $489 $82
Toyota RAV4 Limited 2WD $716 $358 $60
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Information does not factor in specific garaging location which can raise or lower rates substantially.

Deductible analysis

The chart below shows how different deductible levels and can influence Toyota Corolla insurance prices for different categories of driver ages. Data assumes a single female driver, comp and collision included, and no discounts are factored in.

Toyota Corolla rates are for example purposes only. To get rates for your specific vehicle, click here.

Choosing deductibles

One of the most common auto insurance questions is how high should the physical damage coverage deductibles be. The figures shown below may help to illustrate the rate fluctuation of buying low and high coverage deductibles. The first data table uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.

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

Ford Escape insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $170 $290 $192 $12 $58 $747 $62
Escape XLS 4WD $170 $290 $192 $12 $58 $747 $62
Escape XLT 2WD $170 $290 $192 $12 $58 $747 $62
Escape Limited 2WD $196 $290 $192 $12 $58 $773 $64
Escape XLT 4WD $196 $290 $192 $12 $58 $773 $64
Escape Limited 4WD $196 $352 $192 $12 $58 $835 $70
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Ford Escape insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $124 $196 $192 $12 $58 $582 $49
Escape XLS 4WD $124 $196 $192 $12 $58 $582 $49
Escape XLT 2WD $124 $196 $192 $12 $58 $582 $49
Escape Limited 2WD $142 $196 $192 $12 $58 $600 $50
Escape XLT 4WD $142 $196 $192 $12 $58 $600 $50
Escape Limited 4WD $142 $238 $192 $12 $58 $642 $54
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate information does not factor in garaging location in Mason which can alter premiums considerably.

Using the premium rates above, we can conclude that using a $100 deductible will cost in the ballpark of $14 more each month or $168 every year than requesting the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 29 months between claims, you would probably come out ahead if you decide on a higher deductible. The illustration below shows an example of how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $64
Average monthly premium for $500 deductibles (subtract): - $50
Monthly savings from raising deductible: $14
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 29 months

One important issue to know is that raising deductibles to save money means you will have to cover more of the damage yourself when you file a claim. It will be required that you have some extra savings in the event you need to pay the higher deductible.

You are unique and your insurance should be too

When selecting a policy, there isn't really a one-size-fits-all type of policy. Every situation is different.Drive safe and save

For instance, these questions might point out whether your personal situation would benefit from an agent's advice.

If it's difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you don't have a local agent, fill out this quick form. It's fast, free and you can get the answers you need.

Best and worst vehicle claim statistics

What are the chances of a claim? The following claim statistics outline the good and bad vehicle models for likelihood of filing claims for each type of coverage.

Vehicle Make and Models with the Lowest and Highest Collision Coverage Claims
Lowest Claim Frequency Highest Claim Frequency
GMC Canyon Bently Continental GT
Mini Cooper Maserati Ghibli
Ford F-250 SuperCab Maserati Granturismo
Ford Edge BMW M6
Smart ForTwo BMW 6 Series
Ford F-150 SuperCrew Bently Continental GTC

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Medical Payment Claims by Manufacturer Model
Lowest Claim Frequency Highest Claim Frequency
Audi A4 Allroad Mitsubishi Mirage
Tesla Model S Nissan Sentra
Chevrolet Silverado 3500 Chevrolet Sonic
Chevrolet Corvette Chevrolet Spark
Chevrolet Silverado 2500 Kia Forte
Ford F-250 SuperCrew Dodge Charger

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comprehensive Insurance Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Ford F-350 Maserati Granturismo
Chevy Silverado 2500 Bentley Continental GT
Nissan Xterra BMW M6
Volvo V60 BMW M6
GMC Sierra 2500 Bentley Continental GTC
Infiniti QX50 Audi S7

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Auto Insurance Liability Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Corvette Chevrolet Cruze
Subaru Outback Hyndai Accent
Acura MDX Dodge Charger
Volvo XC60 Chevrolet Impala
Subaru Forester Chrysler 200
Fiat 500 Mitsubishi Mirage

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years