Trying to find better insurance prices for your car in Ohio could be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to compare car insurance rates and you need to know the absolute fastest way to get price quotes on a and find the lowest price.

Locating the lowest cost car insurance policy in Painesville is simple if you know the tricks. If you have coverage now or just want cheaper coverage, you can use these techniques to save money without sacrificing coverage. Drivers just have to learn the fastest way to compare price quotes using one simple form.

The following companies can provide quotes in Painesville, OH. If multiple companies are shown, we suggest you compare several of them in order to find the most affordable rates.

Insurance Costs for Popular Vehicles in Painesville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Crew Cab 2WD $746 $373 $62
Chevrolet Silverado LT Extended Cab 4WD $900 $450 $75
Dodge Ram Quad Cab ST 4WD $854 $427 $71
Ford Escape XLS 2WD $732 $366 $61
Ford F-150 FX2 2WD $802 $401 $67
Ford Focus SEL 4-Dr Sedan $730 $365 $61
Honda Accord LX 4-Dr Sedan $822 $411 $69
Honda CR-V EX 2WD $528 $264 $44
Honda Civic SI 4-Dr Sedan $762 $381 $64
Mazda 3 I Sport 4-Dr Sedan $600 $300 $50
Nissan Altima 3.5 SR 2-Dr Coupe $830 $415 $69
Toyota Camry XLE $668 $334 $56
Toyota Corolla XRS $746 $373 $62
Toyota Prius $658 $329 $55
Volkswagen Jetta 2.0T Station Wagon $878 $439 $73
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price estimates do not factor in garaging location in Painesville which can influence coverage prices noticeably.

Painesville insurance premiums by gender and age

The diagram below compares insurance costs for male and female drivers in Painesville. Data assumes no driving violations, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are single, and no discounts are applied on a Ford Focus SES.

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

Do you need full coverage?

The diagram below examines Dodge Ram car insurance rates with liability coverage only compared to full coverage. The data is based on a clean driving record, no at-fault accidents, $1,000 deductibles, single female driver, and no additional discounts are factored in.

Dodge Ram rates are for example purposes only. To get rates for your specific vehicle, click here.

When to stop paying for full coverage

There is no definitive guideline for excluding physical damage insurance, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let's say your Dodge Ram book value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after the policy deductible has been paid. If you are currently paying more than $400 annually to have full coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where dropping full coverage is not a good idea. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder's interest. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not opt for liability only.

Deductible comparison

One of the more difficult decisions when buying auto insurance is how low should you set your deductibles. The rates below approximate the price difference between high and low physical damage coverage deductibles. The first data set uses a $250 deductible for physical damage and the second pricing table uses a $1,000 deductible.

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

Ford Escape insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $152 $242 $192 $12 $58 $681 $57
Escape XLS 4WD $152 $242 $192 $12 $58 $681 $57
Escape XLT 2WD $152 $242 $192 $12 $58 $681 $57
Escape Limited 2WD $176 $242 $192 $12 $58 $705 $59
Escape XLT 4WD $176 $242 $192 $12 $58 $705 $59
Escape Limited 4WD $176 $296 $192 $12 $58 $759 $63
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Ford Escape insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $94 $152 $192 $12 $58 $508 $42
Escape XLS 4WD $94 $152 $192 $12 $58 $508 $42
Escape XLT 2WD $94 $152 $192 $12 $58 $508 $42
Escape Limited 2WD $108 $152 $192 $12 $58 $522 $44
Escape XLT 4WD $108 $152 $192 $12 $58 $522 $44
Escape Limited 4WD $108 $186 $192 $12 $58 $556 $46
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate information does not factor in specific location information which can alter premium rates greatly.

We can derive from the above data that using a $250 deductible could cost the average driver approximately $16 more each month or $192 for a full year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 47 months between claims, you would most likely save money if you choose a higher deductible.

Calculate deductible break even point

Average monthly premium for $250 deductibles: $59
Average monthly premium for $1,000 deductibles (subtract): - $43
Monthly savings from raising deductible: $16
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 47 months

Three reasons to insure your vehicle

Despite the high cost, paying for insurance serves a purpose in several ways.

The benefits of carrying adequate insurance definitely exceed the cost, specifically if you ever have a liability claim. Unknowingly, the average driver is overpaying over $700 annually so you should quote your policy with other companies at every renewal to be sure current rates are still competitive.

You may qualify for discounts

Some insurance providers don't list the complete list of policy discounts very clearly, so the list below details some of the best known as well as some of the hidden credits that you can use to lower your rates. If you're not getting every credit available, you're paying more than you need to.Cheaper insurance with discounts

You should keep in mind that most discounts do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability and collision coverage. So when it seems like you can get free auto insurance, it doesn't quite work that way.

A list of insurance companies and a summarized list of policyholder discounts can be read below.

Double check with every prospective company what discounts are available to you. All car insurance discounts might not be offered in your state. If you would like to see a list of companies with significant discounts in Ohio, follow this link.

There's no such thing as the perfect car insurance policy

When quoting and comparing the best car insurance coverage, there really isn't a one-size-fits-all type of policy. Everyone's needs are different.Car insurance savings

For example, these questions may help you determine if your situation will benefit from professional help.

If you can't answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It's fast, doesn't cost anything and can provide invaluable advice.

Best and worst vehicle claim statistics

Are you driving a vehicle with a high chance of a claim? The next tables list the highest and lowest vehicle makes and models for the overall chance of filing claims organized by coverage.

Lowest and Highest Collision Insurance Claims by Vehicle
Lowest Claims Highest Claims
Mini Cooper Bently Continental GTC
Ford F-250 SuperCab BMW M6
Nissan Xterra Bentley Continental Flying Spur
Ford F-150 SuperCrew Nissan GT-R
GMC Canyon Maserati Ghibli
Smart ForTwo Audi RS7

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

Lowest and Highest Medical Payment Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Chevrolet Silverado 2500 Chevrolet Sonic
Ford F-250 SuperCrew Nissan Sentra
Tesla Model S Chevrolet Spark
Chevrolet Corvette Hyundai Accent
Ford Expedition Chrysler 200
Land Rover Range Rover Sport Mitsubishi Lancer

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

Manufacturer Models with the Lowest and Highest Comprehensive Coverage Claims
Lowest Claims Highest Claims
Nissan Xterra Bentley Continental GT
Infiniti QX50 Porsche Panamera GTS
Smart ForTwo Bentley Continental GTC
Ford F-350 Maserati Quattroporte
GMC Sierra 2500 BMW M6
Chevy Silverado 2500 Audi S7

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

Vehicle Models with the Lowest and Highest Liability Coverage Claims
Lowest Claims Highest Claims
Subaru Outback Kia Optima
Audi A6 Chevrolet Impala
Acura MDX Chevrolet Sonic
Chevrolet Corvette Dodge Charger
Subaru Forester Mitsubishi Lancer
Fiat 500 Chevrolet Cruze

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

Do the work, save more money

Some car insurance companies do not offer rates over the internet and many times these regional insurance providers sell through independent agents. Lower-priced car insurance in Painesville is definitely available on the web and from local insurance agents, and you should be comparing both to have the best chance of lowering rates.

In this article, we presented a lot of tips how to reduce car insurance auto insurance rates online in Painesville. The key thing to remember is the more companies you get premium rates for, the better likelihood of getting the cheapest Painesville car insurance quotes. Drivers may even discover the lowest auto insurance rates are with the least-expected company.

People switch companies for many reasons like delays in paying claims, extreme rates for teen drivers, lack of trust in their agent or delays in responding to claim requests. It doesn't matter what your reason, finding a new car insurance company is easier than you think.

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