How many times have you put off comparing quotes for low-cost auto insurance rates in Norwood, OH? Are you sick and tired of not being able to scrape enough together to pay your auto insurance bill each month? You're in the same situation as millions of other consumers.

Remarkably, a study showed that a large majority of drivers in Ohio kept buying from the same company for four years or more, and nearly the majority have never shopped around. Many consumers in America can save roughly $850 each year, but they mistakenly think it's difficult to find affordable rates by getting comparison quotes. Popular companies such as State Farm and GEICO all claim big savings with catchy ads and it is challenging if not impossible to see through the deception and do the work needed to find the best deal.

If you already have coverage or just want to reduce your rates, follow these tips to find the best rates without sacrificing coverage. Finding the cheapest coverage in Norwood is actually very simple if you learn how to start. Smart buyers just have to learn the most time-saving way to compare company rates from many different companies.

Auto insurance providers offering low-cost prices in Ohio

The companies shown below offer price comparisons in Norwood, OH. If the list has multiple companies, we recommend you visit two to three different companies to get the best price comparison.

Insurance Costs for Popular Vehicles in Norwood
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LT $538 $269 $45
Chevrolet Malibu LTZ $1,064 $532 $89
Chevrolet Silverado LT Crew Cab 2WD $714 $357 $60
Dodge Ram Crew Cab Laramie 4WD $836 $418 $70
Ford Escape XLT 4WD $596 $298 $50
Ford Explorer Limited 2WD $822 $411 $69
Ford F-150 XL Super Cab 4WD $702 $351 $59
Ford Focus SEL 4-Dr Sedan $826 $413 $69
Ford Fusion Sport 4-Dr Sedan $874 $437 $73
Honda Accord EX-L 2-Dr Coupe $784 $392 $65
Honda CR-V EX-L 4WD $620 $310 $52
Honda Civic VP 4-Dr Sedan $620 $310 $52
Nissan Altima Hybrid 4-Dr Sedan $978 $489 $82
Nissan Rogue S 2WD $636 $318 $53
Toyota Camry XLE $730 $365 $61
Toyota Corolla XRS $722 $361 $60
Toyota Tacoma 2WD $768 $384 $64
Get Your Own Custom Quote Go

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Information does not factor in Norwood location which can alter price quotes noticeably.

Car insurance prices based on gender

The information below shows the difference between insurance costs for male and female drivers in Norwood. The prices are based on no claims or violations, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no policy discounts are applied on a Toyota Corolla XLE.

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

Quote cheap insurance with these tips

A large part of saving on insurance is knowing some of the things that play a part in calculating your insurance rates. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that could help you find better insurance rates. Many things are part of the equation when you get a price on insurance. Some are pretty understandable such as your driving record, but other criteria are more obscure like your vehicle usage or your financial responsibility.

The list below includes just a few of the factors companies use to determine prices.

Lower rate quotes on insurance with these discounts

Some companies do not advertise every discount they offer very well, so we researched a few of the more common as well as the least known ways to save on insurance.Cheaper insurance with discounts

Drivers should understand that some credits don't apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like it's possible to get free car insurance, it's just not the way it works.

If you would like to view companies that offer the discounts shown above in Norwood, follow this link.

Can you really save $440 a year?

Consumers in Ohio can't get away from all the ads that promise big savings from the likes of GEICO, State Farm and Progressive. They all make the point about saving some big amount if you move your policy.

It sounds good, but how can they all charge less that you're paying now? Just pay attention to how they say it.

Insurance companies are able to cherry pick for the type of customer they prefer to insure. One example of a desirable insured could possibly be between the ages of 30 and 45, carries full coverage, and drives less than 7,500 miles a year. Any new insured who fits that profile will get very good Norwood prices and will most likely pay quite a bit less when switching companies.

People who are not a match for this stringent profile will probably be forced to pay higher premium rates and this can result in business not being written. The trick is to say "people that switch" but not "everyone who gets a quote" can save as much as they claim. This is how companies can truthfully lure you into getting a quote. Because each company has a different risk profile, you absolutely need to get price quotes at each policy renewal. It is impossible to guess the company that will have the best rates at this point in time.

Auto insurance claims by make and model

Which vehicles are likely to have claims? The statistics tables below show the worst and best vehicle makes and models for the probability of filing claims organized by coverage.

Comprehensive Insurance Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Volvo V60 BMW M6
Smart ForTwo Porsche Panamera GTS
Chevy Silverado 2500 Mercedes-Benz S Class
Nissan Xterra Bentley Continental GTC
Nissan Leaf BMW M6
Infiniti QX50 Maserati Granturismo

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

Vehicle Make and Models with the Lowest and Highest Collision Coverage Claims
Lowest Claim Amount Highest Claim Amount
Smart ForTwo Maserati Ghibli
Nissan Xterra Maserati Granturismo
Chevrolet Colorado BMW 6 Series
Ford F-150 SuperCrew Ferrari 458
GMC Canyon BMW M6
Ford F-250 SuperCab Bently Continental GTC

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

Liability Insurance Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Acura MDX Chevrolet Sonic
Subaru Forester Hyndai Accent
Volvo XC60 Kia Optima
Subaru Outback Mitsubishi Mirage
Chevrolet Corvette Dodge Charger
Fiat 500 Chrysler 200

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

Vehicle Make and Models with the Lowest and Highest Medical Payment Insurance Claims
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 2500 Mitsubishi Mirage
Land Rover Range Rover Sport Chevrolet Sonic
Chevrolet Silverado 3500 Nissan Sentra
Tesla Model S Chrysler 200
Ford F-350 SuperCrew Nissan Versa
Ford Expedition Chevrolet Spark

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

Shop smart and save

Throughout this article, we presented a lot of tips how to lower your insurance car insurance rates in Norwood. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even be surprised to find that the best car insurance rates are with a smaller regional carrier. Regional companies often have lower premium rates on specific markets than their larger competitors like Allstate, GEICO and Progressive.

As you restructure your insurance plan, make sure you don't reduce needed coverages to save money. There have been many situations where an insured dropped liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at a price you can afford, but do not skimp to save money.

Additional information is located at the links below