Are you tired of overpaying and want the cheapest insurance rates in North Canton, OH? Trying to find the cheapest insurance for a new or used car in Ohio can normally be an all-consuming task, but you can follow our insurance buying tips and make it easy.

There is a right way and a wrong way to buy insurance and you need to know the proper way to price shop coverage for your and locate the lowest price.

Smart consumers take time to get comparison quotes yearly because prices tend to go up over time. Just because you had the best deal on insurance on your last policy a different company probably has better rate quotes today. Block out anything you think you know about insurance because I'm going to let you in on the secrets to the proper way to find better coverage on insurance at a better price.

If you have a policy now or need new coverage, you can use this information to get lower rates without sacrificing coverage. Comparison shopping for affordable car insurance policy in North Canton is not as time-consuming as you think. You just have to learn the most time-saving way to quote multiple rates on the web.

The companies in the list below provide free rate quotes in North Canton, OH. If multiple providers are shown, it's a good idea that you visit as many as you can in order to find the lowest rates.

Insurance Price Estimates for Popular Vehicles in North Canton
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $656 $328 $55
Chevrolet Silverado LS Extended Cab 4WD $786 $393 $66
Dodge Ram Quad Cab ST 2WD $702 $351 $59
Ford Escape XLS 2WD $602 $301 $50
Ford F-150 Lariat Crew Cab Platinum 2WD $764 $382 $64
Ford Focus SE 4-Dr Sedan $576 $288 $48
Ford Fusion SEL AWD 4-Dr Sedan $878 $439 $73
GMC Sierra SLT Extended Cab 4WD $860 $430 $72
Honda Accord LX-S 2-Dr Coupe $792 $396 $66
Honda CR-V EX 4WD $596 $298 $50
Honda Civic DX 2-Dr Coupe $704 $352 $59
Honda Odyssey LX $610 $305 $51
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $670 $335 $56
Nissan Altima 2.5 S 4-Dr Sedan $730 $365 $61
Toyota Camry LE $680 $340 $57
Toyota Corolla XRS $1,064 $532 $89
Toyota RAV4 Limited 4WD $604 $302 $50
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Information does not factor in garaging location in North Canton which can influence auto insurance rates noticeably.

Difference between liability only and full coverage rates

The chart below illustrates the difference between Kia Optima car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no accidents or driving violations, $100 deductibles, single male driver, and no policy discounts are applied.

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

When to stop buying full coverage

There isn't a steadfast formula for dropping physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let's pretend your Kia Optima replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $8,000 after paying your deductible. If it's costing in excess of $800 annually for your policy with full coverage, then you may need to consider dropping full coverage.

There are a few situations where removing full coverage is not advised. If you haven't paid off your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Here's why auto insurance is not optional

Despite the high insurance cost in North Canton, insurance is required in Ohio but it also protects you in many ways.

The benefits of carrying enough insurance more than cancel out the cost, particularly when you have a large claim. According to a recent study, the average American driver overpays as much as $825 a year so smart consumers compare quotes at every policy renewal to save money.

Eight discounts to earn lower North Canton auto insurance rates

Some insurance providers do not list all discounts very clearly, so we break down both well-publicized as well as the least known credits available to bring down your rates. If you're not getting every credit available, you could be getting lower rates.Save money with discounts

Please keep in mind that some of the credits will not apply to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like you can get free auto insurance, it doesn't quite work that way.

Some companies that may offer quotes with these discounts include:

If you need cheap North Canton auto insurance quotes, ask every insurance company to give you their best rates. Some of the discounts discussed earlier might not be available to policyholders in North Canton. For a list of insurers that offer discounts in North Canton, click here.

Will just any policy work for me?

Always keep in mind that when comparing your policy, there really isn't a single plan that fits everyone. Your situation is unique and your policy should reflect that.Drive safe and save For instance, these questions may help you determine if your situation may require specific advice.

If you don't know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

You may want advice from an agent

Many people still prefer to have an agent's advice and there is nothing wrong with that. Licensed agents are highly skilled in risk management and help you file claims. The biggest benefit of comparing rates online is that you can find cheaper car insurance rates but also keep your business local. And buying from neighborhood insurance agencies is important particularly in North Canton.

North Canton insurance agentsAfter filling out this short form, your insurance coverage information is emailed to companies in North Canton who will give competitive quotes and help you find cheaper coverage. You won't even need to find an agent due to the fact that quote results will go straight to your inbox. If you have a need to get a comparison quote for a specific company, just go to their quote page to submit a rate quote request.

What type of North Canton car insurance agent is right for you?

When finding a reliable insurance agent, it's important to understand the types of insurance agents to choose from. Auto insurance agents can either be exclusive or independent agents depending on their company appointments. Both can write auto insurance policies, but it's worth mentioning the difference between them since it can impact which type of agent you select.

Independent Auto Insurance Agents

Independent agencies do not write with just one company and that enables them to quote your coverage with an assortment of companies and help determine which has the cheapest rates. If you are not satisfied with one company, your agent can switch companies which is easy for the insured. When comparing auto insurance rates, it's recommended you include price quotes from several independent insurance agents to have the best price comparison. Many can place coverage with smaller companies that can offer cheaper rates than bigger companies.

Exclusive Insurance Agencies

Agents that elect to be exclusive have only one company to place business with such as Farmers Insurance or State Farm. Exclusive agents are unable to place coverage with different providers so they have no alternatives for high prices. They receive a lot of sales training in insurance sales and that enables them to sell even at higher rates. A lot of people use the same agent mainly due to loyalty to the company and strong financial ratings.

Picking an car insurance agent requires more thought than just a cheap price. Here are some questions you might want to ask.

Upon getting good feedback to these questions and an acceptable price quote, you may have found a car insurance agent that is reputable and can service your policy. Keep in mind you are entitled to cancel coverage whenever you want so never feel that you are obligated to the auto insurance policy for the entire policy term.

Parts of your auto insurance policy

Learning about specific coverages of your auto insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages available from auto insurance companies.

Comprehensive (Other than Collision) - Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, a broken windshield, damage from flooding, a tree branch falling on your vehicle and damage from getting keyed. The highest amount you'll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Auto Insurance Comprehensive Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Infiniti QX50 BMW M6
Nissan Leaf Mercedes-Benz S Class
Volvo V60 Audi S7
Smart ForTwo Porsche Panamera GTS
GMC Sierra 2500 Bentley Continental GT
Ford F-350 BMW M6

Statistics from IIHS.org for 2013-2015 Model Years

Collision coverage - Collision insurance will pay to fix damage to your vehicle caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, sustaining damage from a pot hole, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Lowest and Highest Collision Coverage Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Ford Edge Audi RS7
Chevrolet Colorado Bentley Continental Flying Spur
Mini Cooper Maserati Ghibli
GMC Canyon BMW M6
Nissan Xterra BMW 6 Series
Jeep Wrangler Nissan GT-R

Statistics from IIHS.org for 2013-2015 Model Years

Protection from uninsured/underinsured drivers - This coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your vehicle.

Since a lot of drivers carry very low liability coverage limits (25/50/25 in Ohio), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense insurance - Coverage for medical payments and/or PIP kick in for immediate expenses for things like funeral costs, rehabilitation expenses, prosthetic devices, nursing services and hospital visits. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Medical Payment Coverage Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Tesla Model S Kia Forte
Land Rover Range Rover Sport Mitsubishi Lancer
Chevrolet Silverado 3500 Chevrolet Sonic
Ford F-250 SuperCrew Mitsubishi Mirage
Chevrolet Silverado 2500 Hyundai Accent
Ford Expedition Nissan Versa

Statistics from IIHS.org for 2013-2015 Model Years

Coverage for liability - This protects you from injuries or damage you cause to other people or property by causing an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which means $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. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like attorney fees, bail bonds and repair bills for other people's vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible. Ohio state law requires minimum liability limits of 25/50/25 but drivers should carry better liability coverage.

Liability Insurance Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Mercedes-Benz SL Class Dodge Charger
Subaru Outback Hyndai Accent
Audi A6 Mitsubishi Lancer
Chevrolet Corvette Chevrolet Impala
Volvo XC60 Kia Optima
Acura MDX Mitsubishi Mirage

Statistics from IIHS.org for 2013-2015 Model Years

Smart consumers save more

In this article, we presented some good ideas how you can lower your auto insurance premium rates in North Canton. The most important thing to understand is the more rate comparisons you have, the better chance you'll have of finding inexpensive North Canton auto insurance quotes. You may even find the lowest premium rates are with a smaller regional carrier. Some small companies can often provide lower prices in certain areas than their larger competitors like Allstate or State Farm.

When you buy North Canton auto insurance online, it's a bad idea to skimp on coverage in order to save money. There are too many instances where someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. Your goal should be to buy enough coverage at the best cost.

Much more information about auto insurance in Ohio is available below: