Pricey insurance in North Royalton can draw down your savings and maybe even restrict other spending.

Unthinkable but true, nearly 70% of customers kept their policy with the same company for four years or more, and about 40% of consumers have never even shopped around for affordable coverage. Drivers in the United States could cut their rates by roughly $860 a year by just comparing quotes, but they just don't understand the actual amount they would save if they switched to a cheaper policy. Having so many different company options, it can be challenging to pick a lower cost insurer.

Where can I get low cost North Royalton car insurance?

Most companies such as State Farm and Allstate provide insurance quotes on their websites. This process is quite easy as you simply type in your required coverages as detailed in the form. After you complete the form, their quoting system automatically orders credit information and your driving record and returns a price determined by many factors. Getting online rate quotes simplifies rate comparisons, and it's necessary to get many rate quotes if you want to get the cheapest car insurance rates.

To compare pricing, compare rates now from the companies shown below. If you have coverage now, it's recommended you input deductibles and limits just like they are on your policy. Using the same limits helps guarantee you will get a rate comparison using the exact same coverages.

The providers in the list below can provide free rate quotes in Ohio. If several companies are displayed, we suggest you visit several of them to get a more complete price comparison.

Insurance Estimates for Popular Vehicles in North Royalton
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 2WD $882 $441 $74
Chevrolet Equinox LS 2WD $588 $294 $49
Chevrolet Silverado LS Regular Cab 2WD $598 $299 $50
Dodge Grand Caravan SXT $784 $392 $65
Dodge Ram Crew Cab Sport 2WD $802 $401 $67
Ford Edge SEL 2WD $670 $335 $56
Ford Escape XLS 2WD $566 $283 $47
Ford Explorer Limited 4WD $804 $402 $67
Ford F-150 XLT Regular Cab 4WD $572 $286 $48
Ford Focus SEL 4-Dr Sedan $922 $461 $77
Honda Accord EX 2-Dr Coupe $766 $383 $64
Honda CR-V EX-L 2WD $698 $349 $58
Honda Civic VP 4-Dr Sedan $790 $395 $66
Nissan Altima 2.5 S 2-Dr Coupe $616 $308 $51
Nissan Rogue S AWD $860 $430 $72
Toyota Camry XLE $834 $417 $70
Toyota Corolla XRS $722 $361 $60
Toyota Tacoma 4WD $748 $374 $62
Get Your Own Custom Quote Go

Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in North Royalton location which can decrease or increase price quotes noticeably.

Car insurance rates based on gender

The chart below illustrates the comparison of insurance rates for male and female drivers in North Royalton. The costs are based on no violations or accidents, comp and collision included, $250 deductibles, single marital status, and no discounts are applied on a Hyundai Sonata Limited.

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

Should you buy full coverage?

The illustration below visualizes the comparison of Hyundai Elantra insurance prices when comparing full coverage to liability only. The premiums are based on no driving violations, no at-fault accidents, $250 deductibles, single male driver, and no discounts are applied to the premium.

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

Should you be buying full coverage?

There is no set rule of when to drop physical damage coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than around 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let's say your Hyundai Elantra replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $7,000 after paying your policy deductible. If you are paying over $700 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are some scenarios where only buying liability is not financially feasible. If you still owe money on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

How much insurance do I need?

When quoting and comparing insurance from an agent or online for your vehicles, there is no one size fits all plan. Everyone's situation is unique and your insurance should be unique as well.Insurance savings Here are some questions about coverages that can help discover whether you may require specific advice.

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Best and worst vehicle claim statistics

Which vehicles statistically have few claims? The following tables show the worst and best vehicle models for the overall chance of having claims for each type of coverage.

Collision Insurance Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Jeep Wrangler BMW 6 Series
Chevrolet Colorado Nissan GT-R
GMC Canyon BMW M6
Ford Edge Ferrari 458
Ford F-150 SuperCrew Maserati Granturismo
Nissan Xterra Bently Continental GT

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

Lowest and Highest Bodily Injury Liability Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Subaru Forester Kia Rio
Volvo XC60 Chevrolet Impala
Fiat 500 Chevrolet Sonic
Subaru Outback Chevrolet Cruze
Mercedes-Benz SL Class Kia Optima
Acura MDX Dodge Charger

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

Car Insurance Medical Payment Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Tesla Model S Nissan Sentra
Chevrolet Corvette Hyundai Accent
Ford Expedition Chrysler 200
Ford F-350 SuperCrew Kia Forte
Chevrolet Silverado 2500 Chevrolet Spark
Ford F-250 SuperCrew Mitsubishi Lancer

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

Auto Insurance Comprehensive Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Smart ForTwo Bentley Continental GTC
Chevy Silverado 2500 BMW M6
Ford F-350 Porsche Panamera GTS
Nissan Xterra BMW M6
Nissan Leaf Mercedes-Benz S Class
Volvo V60 Maserati Granturismo

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