Want to know an easy way to compare more competitive auto insurance rates in Alliance, OH? Are you regretting the purchase of high-priced auto insurance? It's a common feeling and many Alliance consumers are in the same pinch.

Unbelievably, the vast majority of consumers kept their policy with the same company for at least the last four years, and roughly 40% of drivers have never compared rates from other carriers. Many consumers in Ohio could save roughly 55% each year just by shopping around, but they underestimate how much savings they would realize if they swap their current policy for a cheaper one.

With drivers having so many options, it can be hard to locate the most cost effective auto insurance provider.

The most recommended method to get policy rate comparisons is to know the fact most of the bigger providers pay for the opportunity to give free rates quotes. To get started, all you need to do is provide details such as whether or not you need a SR-22, if you have an active license, how much education you have, and your credit rating estimate. The rating information is instantly submitted to all major companies and you receive quotes with very little delay.

To find lower rates now, click here and find out if you can get cheaper insurance in Alliance.

The companies shown below can provide comparison quotes in Alliance, OH. If more than one company is shown, it's a good idea that you visit two to three different companies to get the best price comparison.

Insurance Rate Estimates for Popular Vehicles in Alliance
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $808 $404 $67
Chevrolet Impala LTZ $656 $328 $55
Chevrolet Silverado LTZ Crew Cab 4WD $632 $316 $53
Dodge Grand Caravan Crew $550 $275 $46
Dodge Ram Quad Cab TRX4 Off Road 2WD $854 $427 $71
Ford Escape XLT 2WD $602 $301 $50
Ford F-150 XLT Regular Cab 4WD $738 $369 $62
Ford Focus SEL 4-Dr Sedan $644 $322 $54
Honda Accord LX-P 4-Dr Sedan $682 $341 $57
Honda CR-V LX 2WD $508 $254 $42
Honda Civic DX 4-Dr Sedan $670 $335 $56
Nissan Altima Hybrid 4-Dr Sedan $722 $361 $60
Nissan Rogue S 2WD $710 $355 $59
Toyota Camry Hybrid $698 $349 $58
Toyota Corolla XRS $746 $373 $62
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Price information does not factor in garaging location in Alliance which can raise or lower premiums significantly.

Rate comparison of men versus women in Alliance

The illustration below illustrates the difference between premium costs for male and female drivers in Alliance. Data assumes no accidents, no driving violations, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are factored in on a Hyundai Elantra SE Touring.

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

Should you raise deductibles?

One of the more difficult decisions when buying car insurance is the level to set your comp and collision deductibles. The data tables below can help illustrate the costs and benefits when you choose different insurance deductibles. The first table uses a $100 physical damage deductible and the second rate table uses a $500 deductible.

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

Nissan Sentra insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $170 $352 $226 $14 $68 $855 $71
Sentra 2.0 S $170 $416 $226 $14 $68 $919 $77
Sentra 2.0 SR $170 $416 $226 $14 $68 $919 $77
Sentra 2.0 SL $196 $416 $226 $14 $68 $945 $79
Sentra SE-R $196 $416 $226 $14 $68 $945 $79
Sentra SE-R SPEC V $196 $478 $226 $14 $68 $1,007 $84
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Nissan Sentra insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sentra 2 $124 $238 $226 $14 $68 $670 $56
Sentra 2.0 S $124 $280 $226 $14 $68 $712 $59
Sentra 2.0 SR $124 $280 $226 $14 $68 $712 $59
Sentra 2.0 SL $142 $280 $226 $14 $68 $730 $61
Sentra SE-R $142 $280 $226 $14 $68 $730 $61
Sentra SE-R SPEC V $142 $324 $226 $14 $68 $774 $65
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Table data does not factor in specific garaging location which can lower or raise auto insurance rates substantially.

Based on the data above, we can derive that using a $100 deductible would cost the average driver about $18 more each month or $216 for a full year than selecting the higher $500 deductible. Since you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 22 months between claims, you would probably save some money if you elect the higher deductible.

Drive safe and save

The illustration below shows how violations and accidents can raise Chevrolet Tahoe annual premium costs for different age groups of insureds. The price estimates are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

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

Seven discounts for lower-cost auto insurance rates

Car insurance is not cheap, but there may be some discounts that many people don't even know exist. Some discounts apply automatically at the time of quoting, but occasionally some discounts must be specially asked for before they will apply.Auto insurance discounts

As a footnote on discounts, some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like you could get a free auto insurance policy, company stockholders wouldn't be very happy.

A few of the larger companies and their possible discounts are included below.

When comparing rates, check with each insurance company which discounts you qualify for. Some of the discounts discussed earlier may not apply to policyholders in Alliance. If you would like to choose from a list of companies that offer multiple discounts in Ohio, click here.

Compare rate quotes but work with a neighborhood Alliance auto insurance agent

Some consumers just prefer to sit down and talk to an agent and that is a smart decision A nice benefit of price shopping on the web is the fact that drivers can get cheap car insurance rates but still work with a licensed agent. And buying from local agencies is important especially in Alliance.

Insurance agents in AllianceAfter filling out this simple form, your coverage information is immediately sent to participating agents in Alliance who can give free rate quotes for your car insurance coverage. It makes it easy because there is no need to leave your house since price quotes are sent directly to you. You can most likely find cheaper rates without requiring a lot of work. If for some reason you want to get a price quote from a specific company, feel free to search and find their rate quote page to submit a rate quote request.

Picking a company requires you to look at more than just the premium amount. The following questions are important to ask.

Different people need different car insurance coverages

When quoting and comparing your policy, there really is not a "best" method to buy coverage. Each situation is unique.Higher deductibles save money

For example, these questions can help discover if your situation may require specific advice.

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. If you don't have a local agent, simply complete this short form.

Why you might not save $477 a year

Respected companies like Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. All the ads advertise the message of big savings just by moving your policy. How does every auto insurance company say the same thing? This is the way they can do it.

Many companies offer their best rates for the type of driver that will add to their bottom line. One example of a desirable insured may be a mature driver, insures multiple vehicles, and drives less than 7,500 miles a year. Someone that meets those criteria will probably get cheap prices as well as save a lot on Alliance auto insurance if they switch.

Insureds who do not match this stringent profile may be required to pay a higher premium and this can result in the customer not purchasing. The ads state "drivers who switch" but not "everyone who gets a quote" can get the lowest rates when switching. That is how insurance companies can make those statements.

This illustrates why it is so important to do a rate comparison at every renewal. It is impossible to guess which auto insurance company will have the lowest auto insurance in Alliance.

Car insurance coverage information

Learning about specific coverages of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your vehicle.

Due to the fact that many Ohio drivers only carry the minimum required liability limits (Ohio limits are 25/50/25), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, a broken windshield, rock chips in glass, hail damage and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Lowest and Highest Insurance Comprehensive Claims by Vehicle Make and Model
Lowest Claims Highest Claims
Infiniti QX50 Bentley Continental GTC
Chevy Spark BMW M6
Ford F-350 Mercedes-Benz S Class
GMC Sierra 2500 Maserati Quattroporte
Smart ForTwo Audi S7
Nissan Xterra Maserati Granturismo

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

Auto liability insurance

This can cover injuries or damage you cause to other's property or people by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as funeral expenses, repair costs for stationary objects, loss of income and pain and suffering. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford. Ohio requires minimum liability limits of 25/50/25 but you should consider buying better liability coverage.

Liability Insurance Claims by Manufacturer Model
Lowest Claims Highest Claims
Volvo XC60 Chrysler 200
Subaru Forester Mitsubishi Lancer
Acura MDX Mitsubishi Mirage
Mercedes-Benz SL Class Chevrolet Cruze
Audi A6 Dodge Charger
Subaru Outback Chevrolet Sonic

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

Medical expense insurance

Med pay and PIP coverage reimburse you for immediate expenses for things like chiropractic care, surgery, funeral costs, ambulance fees and pain medications. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Insurance Medical Payment Claims by Manufacturer Model
Lowest Claims Highest Claims
Chevrolet Silverado 2500 Chevrolet Spark
Ford F-350 SuperCrew Chevrolet Sonic
Audi A4 Allroad Nissan Versa
Chevrolet Silverado 3500 Dodge Charger
Tesla Model S Kia Forte
Ford Expedition Chrysler 200

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

Coverage for collisions

This covers damage to your vehicle resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like rolling your car, crashing into a ditch, hitting a parking meter, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Lowest and Highest Insurance Collision Claims by Vehicle Model
Lowest Claims Highest Claims
Ford Edge BMW M6
Nissan Xterra BMW 6 Series
Smart ForTwo Bently Continental GT
Ford F-250 SuperCab Maserati Granturismo
Mini Cooper Maserati Ghibli
Jeep Wrangler Nissan GT-R

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

Shop smart and save

As you shop your coverage around, it's a bad idea to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice physical damage coverage and learned later that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage at the lowest possible cost.

Consumers who switch companies do it for a number of reasons such as high rates after DUI convictions, poor customer service, extreme rates for teen drivers or even an unsatisfactory settlement offer. It doesn't matter why you want to switch finding the right car insurance provider can be easier than you think.

In this article, we presented a lot of tips how to shop for car insurance online. It's most important to understand that the more quotes you get, the better your chances of lowering your auto insurance rates. You may even find the best rates are with some of the lesser-known companies.

To read more, feel free to browse the articles below: