Do you want to save money by buying lower-priced auto insurance rates in Cleveland Heights, OH? Do you get exhausted from not being able to afford to keep your car insured? You are in the same boat as most other drivers in Ohio.
It's hard to fathom, but almost 70% of drivers kept buying from the same company for a minimum of four years, and practically 40% of auto insurance customers have never shopped around. Many drivers in Ohio can save $700 each year just by comparing rates, but most undervalue the benefits if they swap their current policy for a cheaper one.
Because you have many companies to choose from , it can be diffult for people to find the best company.
You should take the time to check auto insurance prices once or twice a year because auto insurance prices trend upward over time. Just because you had the lowest rates on auto insurance a year ago you will most likely find a better rate quote today. You can find a lot of information about auto insurance on the web, but you can learn some of the best ways to quit paying high auto insurance rates in Cleveland Heights.
Locating the most cost-effective car insurance policy in Cleveland Heights is much easier if you know where to start. If you have coverage now, you should be able to buy cheaper car insurance using the tips covered below. Nevertheless, Ohio car owners need to learn how insurance companies compete online and take advantage of how the system works.
When looking for inexpensive Cleveland Heights auto insurance quotes, there are a couple ways to compare prices from many car insurance companies in Ohio. The easiest way by far to find the cheapest insurance rates consists of shopping online.
Getting free rates online is quite simple, and it replaces the need to actually drive to insurance agencies in your area. The ability to get quotes online eliminates the need for an insurance agent unless you're the type of person who wants the personal advice of a local Cleveland Heights agent. Drivers can get the lowest quotes online but purchase the actual policy in an agency.
When price shopping your coverage, comparing a wide range of rates gives you a better chance of getting the best price. Some smaller insurers do not give online price quotes, so you also need to get price estimates on coverage from those companies, too.
The companies in the list below have been selected to offer price quotes in Ohio. If more than one company is shown, we suggest you compare several of them in order to find the cheapest rates.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Equinox LS AWD||$668||$334||$56|
|Chevrolet Silverado LTZ Crew Cab 2WD||$926||$463||$77|
|Dodge Ram Crew Cab ST 4WD||$838||$419||$70|
|Ford Escape XLT 2WD||$602||$301||$50|
|Ford Explorer Limited 2WD||$706||$353||$59|
|Ford F-150 FX2 Super Cab 2WD||$592||$296||$49|
|Ford Focus S 4-Dr Sedan||$622||$311||$52|
|Honda Accord LX-P 4-Dr Sedan||$666||$333||$56|
|Honda CR-V EX-L 4WD||$680||$340||$57|
|Honda Civic DX 4-Dr Sedan||$784||$392||$65|
|Hyundai Elantra Blue 4-Dr Sedan||$922||$461||$77|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$856||$428||$71|
|Nissan Altima 2.5 4-Dr Sedan||$680||$340||$57|
|Nissan Rogue SL 2WD||$566||$283||$47|
|Toyota Camry LE||$688||$344||$57|
|Toyota Corolla XLE||$748||$374||$62|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$826||$413||$69|
|Get Your Own Custom Quote Go|
Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in vehicle location which can influence prices significantly.
Rate comparison of full coverage and liability-only
The example below visualizes the comparison of Nissan Altima auto insurance rates when comparing full coverage to state minimum liability only. The prices are based on no claims or driving violations, $100 deductibles, single female driver, and no other discounts are factored in.
Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.
When to stop buying comprehensive and collision coverage
There is no clear-cut formula to exclude full coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than about 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let's say your Nissan Altima replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $4,000 after the deductible is paid. If premiums are more than $400 a year to have full coverage, then it may be the right time to buy liability only.
There are some conditions where only buying liability is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder's interest. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
Can't I compare prices from local Cleveland Heights car insurance agents?
Some consumers would rather go talk to an agent. One of the great benefits of comparing rate quotes online is that you can obtain lower rates but also keep your business local.
Once you complete this simple form, your insurance data is emailed to local insurance agents who want to provide quotes for your coverage. It makes it easy because there is no need to find an agent since rate quotes are delivered straight to your inbox. You can find lower rates AND a local agent. If you wish to compare prices for a specific company, just visit that company's website and fill out their quote form.
Finding the right insurer shouldn't rely on just a low price. These are some questions your agent should answer.
- Do they have 24-hour customer assistance?
- Do they reduce claim amounts on high mileage vehicles?
- Is every driver in your family covered?
- Are there any extra charges for paying monthly?
- Do they feel the quoted coverages are adequate?
- Are they primarily personal or commercial lines agents in Cleveland Heights?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
The different types of car insurance agents
If you're trying to find local Cleveland Heights agents, it's important to understand the types of agencies and how they can write your policy. Agents are either exclusive or independent.
Exclusive Insurance Agencies
Agents that elect to be exclusive write business for a single company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to provide prices from multiple companies so they have to upsell other benefits. These agents receive a lot of sales training on sales techniques and that enables them to sell even at higher rates.
Independent Insurance Agents
Agents that choose to be independent are not locked into one company and that allows them to write policies through many companies and get you the best rates possible. If prices rise, they can switch companies in-house which makes it simple for you. When comparing rate quotes, you absolutely need to compare quotes from multiple independent agents so that you can do a thorough price comparison.