Finding cheaper insurance for your car in Ohio can normally be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to shop for car insurance and we'll show you the quickest way to quote coverages for a and find the cheapest rates from both online companies and Maple Heights agents.

Unfortunately, most consumers kept their coverage with the same car insurance company for more than four years, and nearly the majority have never even compared rates from other companies. Ohio consumers could save almost $729 a year by just comparing quotes, but they just don't understand the big savings they would realize if they switch to a new company.

Choosing the most cost-effective insurance policy in Maple Heights can really be easy if you know what you're doing. If you have a policy now or are looking for a new policy, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Comparison shoppers just need to know the most efficient way to compare company rates online.

The best way we recommend to compare rates is to understand most larger insurance companies allow for online access to provide you with a free rate quote. The one thing you need to do is provide details including your job, any included safety features, how much school you completed, and the year, make and model of vehicles. Your insurance information is instantly provided to many of the top insurers and they return cost estimate immediately.

To check rates for your car now, click here and complete the form.

The providers in the list below offer comparison quotes in Maple Heights, OH. If multiple companies are shown, we recommend you click on several of them in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Maple Heights
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Extended Cab 2WD $952 $476 $79
Dodge Ram Quad Cab SLT 2WD $588 $294 $49
Ford Edge Sport 2WD $632 $316 $53
Ford Escape XLT 4WD $662 $331 $55
Ford Explorer Eddie Bauer AWD $616 $308 $51
Ford F-150 SVT Raptor Super Cab 4WD $826 $413 $69
Ford Focus SE 4-Dr Sedan $702 $351 $59
Honda Accord LX-P 4-Dr Sedan $604 $302 $50
Honda CR-V EX-L 2WD $616 $308 $51
Honda Civic LX-S 4-Dr Sedan $712 $356 $59
Jeep Grand Cherokee Laredo 2WD $884 $442 $74
Jeep Wrangler Sahara 4WD 2-Dr $500 $250 $42
Nissan Altima Hybrid 4-Dr Sedan $836 $418 $70
Nissan Rogue SL AWD $770 $385 $64
Toyota Camry XLE $748 $374 $62
Toyota Corolla XLE $730 $365 $61
Toyota RAV4 2WD $788 $394 $66
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Information does not factor in Maple Heights location which can raise or lower coverage rates greatly.

Choosing deductibles

One frequently asked question is which deductibles should you choose. The figures shown below can help illustrate the costs and benefits when you buy lower versus higher comp and collision deductibles. The first data set uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.

Kia Optima rates are for example purposes only. To get rates for your specific vehicle, click here.

Kia Optima insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $196 $352 $256 $16 $76 $921 $77
Optima EX $220 $416 $256 $16 $76 $1,009 $84
Optima SX $220 $416 $256 $16 $76 $1,009 $84
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Kia Optima insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Optima LX $142 $238 $256 $16 $76 $728 $61
Optima EX $160 $280 $256 $16 $76 $788 $66
Optima SX $160 $280 $256 $16 $76 $788 $66
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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 homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate quotes do not factor in vehicle garaging location which can change coverage rates substantially.

We can estimate from the data above that using a $100 deductible will cost you approximately $18 more each month or $216 each year than opting for the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally average more than 22 months between claims, you would probably save some money if you choose a higher deductible.

Males versus Females

The example below illustrates the comparison of premium costs for male and female drivers in Maple Heights. The premiums assume a clean driving record, no claims, full physical damage coverage, $250 deductibles, single marital status, and no additional discounts are factored in on a Hyundai Sonata GLS.

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

Your situation helps dictate your coverage

When it comes to choosing coverage online or from an agent, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.Higher deductibles save money

Here are some questions about coverages that may help highlight whether you might need professional guidance.

If you don't know the answers to these questions but one or more may 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, doesn't cost anything and can provide invaluable advice.