How long has it been since the last time you looked for more affordable auto insurance rates in Steubenville, OH? I can't think of anyone who likes paying for auto insurance, in particular when they could find better rates elsewhere.
Statistics show that nearly 70% of consumers have bought auto insurance from the same company for over three years, and almost 40% of drivers have never even shopped around for cheap coverage. Ohio drivers could save up to $700 a year by just shopping around, but they feel it's too difficult to go online and compare rates. Popular companies such as State Farm, GEICO and Farmers Insurance continually hit you with advertising and it is challenging if not impossible to ignore the propaganda and do the work needed to find the best deal.
If you're already insured or are just looking to switch companies, take advantage of these tips to reduce the price you pay without having to cut coverage. Locating the most cost-effective insurance policy in Steubenville is actually quite easy if you know where to start. Smart shoppers just have to know the proper way to compare rates online.
The companies shown below are ready to provide price comparisons in Steubenville, OH. If multiple providers are shown, it's a good idea that you visit several of them to get the best price comparison.
|Make, Model, and Trim Level||Annual Policy Premium||6-month Policy Premium||Monthly Premium|
|Chevrolet Colorado LT Extended Cab 2WD||$874||$437||$73|
|Chevrolet Impala LT||$868||$434||$72|
|Chevrolet Silverado LT Extended Cab 2WD||$834||$417||$70|
|Dodge Ram Quad Cab Laramie 2WD||$712||$356||$59|
|Ford Escape XLS 2WD||$822||$411||$69|
|Ford Explorer Limited 2WD||$612||$306||$51|
|Ford F-150 XL Regular Cab 2WD||$668||$334||$56|
|Ford Focus SE 4-Dr Sedan||$730||$365||$61|
|Honda Accord LX-P 4-Dr Sedan||$604||$302||$50|
|Honda CR-V EX-L 2WD||$600||$300||$50|
|Honda Civic DX 2-Dr Coupe||$768||$384||$64|
|Kia Optima EX||$686||$343||$57|
|Nissan Altima Hybrid 4-Dr Sedan||$768||$384||$64|
|Nissan Rogue S 2WD||$820||$410||$68|
|Toyota Camry SE||$944||$472||$79|
|Toyota Corolla S||$646||$323||$54|
|Toyota Tacoma Double Cab 4WD||$804||$402||$67|
|Get Your Own Custom Quote Go|
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Table data does not factor in Steubenville location which can revise prices noticeably.
Auto insurance rates based on gender
The diagram below visualizes the comparison of annual premium costs for male and female drivers in Steubenville. The premium estimates are based on no accidents, no driving violations, comp and collision included, $500 deductibles, marital status is single, and no discounts are taken into consideration on a Honda Civic EX-L.
Honda Civic rates are for example purposes only. To get rate quotes for your specific vehicle, click here.
One of the hardest decisions when shopping for auto insurance is at what level do you set your deductibles. The tables below lay out how much more you'll pay between low and high deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.
Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$170||$352||$226||$14||$68||$855||$71|
|Focus SE 4-Dr Sedan||$170||$352||$226||$14||$68||$855||$71|
|Focus SEL 4-Dr Sedan||$170||$416||$226||$14||$68||$919||$77|
|Focus SES 4-Dr Sedan||$170||$416||$226||$14||$68||$919||$77|
|Focus SE 2-Dr Coupe||$196||$416||$256||$16||$76||$985||$82|
|Focus SES 2-Dr Coupe||$196||$416||$256||$16||$76||$985||$82|
|Get a Quote for Your Vehicle Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$94||$186||$226||$14||$68||$588||$49|
|Focus SE 4-Dr Sedan||$94||$186||$226||$14||$68||$588||$49|
|Focus SEL 4-Dr Sedan||$94||$220||$226||$14||$68||$622||$52|
|Focus SES 4-Dr Sedan||$94||$220||$226||$14||$68||$622||$52|
|Focus SE 2-Dr Coupe||$108||$220||$256||$16||$76||$676||$56|
|Focus SES 2-Dr Coupe||$108||$220||$256||$16||$76||$676||$56|
|Get a Quote for Your Vehicle Go|
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate information does not factor in your specific Steubenville location which can influence premium rates substantially.
Based on the figures above, using a $100 deductible costs approximately $25 more each month or $300 annually than quoting the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 36 months between claim filings, you would probably come out ahead if you choose a higher deductible. The illustration below shows an example of how this calculation is made.
|Average monthly premium for $100 deductibles:||$77|
|Average monthly premium for $1,000 deductibles (subtract):||- $52|
|Monthly savings from raising deductible:||$25|
|Difference between deductibles ($1,000 - $100):||$900|
|Divide difference by monthly savings:||$900 / $25|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||36 months|
One thing to note is that a higher deductible results in more money out-of-pocket when you have a physical damage claim. You will want to have enough savings in the event you have to pay more to get your vehicle repaired.
Raise deductibles and save
The diagram below highlights how deductible selection and can impact Chevrolet Silverado insurance premiums for different age groups. The prices are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.
Auto insurance is an important decision
Despite the potentially high cost of auto insurance, insurance is required in Ohio but also provides important benefits.
First, almost all states have mandatory liability insurance requirements which means the state requires a specific minimum amount of liability protection if you don't want to risk a ticket. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your car has a loan, most lenders will require that you have physical damage coverage to guarantee payment of the loan. If coverage lapses or is canceled, the bank or lender will purchase a policy for your vehicle for a much higher rate and require you to pay much more than you were paying before.
Third, auto insurance protects your vehicle and your assets. Insurance will also pay for all forms of medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, will also pay attorney fees in the event you are sued. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of insuring your vehicle more than offset the price you pay, especially when you need to use it. The average driver in America is overpaying more than $850 per year so it's very important to do a rate comparison once a year at a minimum to make sure the price is not too high.
How your Steubenville costs are determined
An important part of buying insurance is that you know some of the things that play a part in calculating the level of your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that could result in much lower annual insurance costs.
Buy a safe car and pay less - Vehicles with high crash test scores tend to have lower insurance rates. Vehicles engineered for safety result in less severe injuries and fewer serious injuries translates into savings for insurance companies which can result in lower premiums.
Single vs. married - Having a wife or husband can get you a discount on car insurance. Having a spouse demonstrates that you tend to be more mature and it's statistically proven that married drivers tend to file fewer claims.
Use one insurance company and save - Most major insurers will give lower prices to people who consolidate policies with them. It's known as a multi-policy discount. The amount of the discounts can be anywhere from five to ten percent in most cases. Even if you're getting this discount you still need to shop around to ensure the best deal.There is a good possibility that you can find better rates by buying insurance from more than one company.
Insurance rates in urban areas - Having an address in small towns and rural areas is a good thing when buying car insurance. Urban drivers regularly have more road rage incidents and much longer commute distances. Less people means fewer accidents in addition to fewer liability claims.
Don't abuse car insurance claims - Auto insurance companies in Ohio give discounts to people who do not rely on their insurance for small claims. If you file claims often, you can expect higher rates. Insurance coverage is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.
Your gender affects rates - Over time, data shows that men are more aggressive behind the wheel. The data does not necessarily mean that males are worse at driving than females. They both cause fender benders at about the same rate, but males have costlier accidents. Men also tend to receive more major tickets like driving under the influence (DUI).
Prevent theft and save - Choosing a vehicle with advanced anti-theft systems can help lower your rates. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping auto theft.
Rental and towing coverage may not be needed - There are a ton of extra bells and whistles that can add up on your car insurance policy. Insurance for personal injury protection, death and dismemberment, and term life insurance could be just wasting money. You may think they are a good idea when you first buy your policy, but your money might be better spent on other coverage so think about removing them and cutting costs.
Discounts for lower-cost car insurance rates
Companies offering auto insurance do not list the complete list of policy discounts in a way that's easy to find, so the following list contains some of the best known and the harder-to-find discounts that you may qualify for.
- Switch and Save Discount - A few insurance companies allow discounts for switching to them before your current expiration date. It's a savings of about 10%.
- Home Ownership Discount - Just owning your own home can earn you a little savings since owning and maintaining a home requires personal responsibility.
- Anti-theft System - Cars, trucks, and SUVs that have factory anti-theft systems are stolen less frequently so companies will give you a small discount.
- Life Insurance - Select car insurance companies reward you with a discounted car insurance rate on car insurance if you buy life insurance from them.
- Braking Control Discount - Cars that have steering control and anti-lock brakes are much safer to drive and earn discounts up to 10%.
- Pay Early and Save - If you pay your entire premium ahead of time rather than paying in monthly installments you could save 5% or more.
- Discounts for Safe Drivers - Accident-free drivers can save up to 40% or more on their Steubenville auto insurance quote compared to rates paid by drivers with frequent claims.
- Federal Employees - Having worked for a branch of the government may reduce rates when you quote Steubenville auto insurance depending on your car insurance provider.
- More Vehicles More Savings - Drivers who insure primary and secondary vehicles on one policy may reduce the rate for each vehicle.
A little note about advertised discounts, most discounts do not apply to the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates you can get free auto insurance, it's just not the way it works.
A list of car insurance companies and some of their more popular discounts are included below.
- GEICO may include discounts for daytime running lights, air bags, driver training, good student, anti-lock brakes, and federal employee.
- USAA policyholders can earn discounts including driver training, military installation, multi-vehicle, defensive driver, good student, safe driver, and multi-policy.
- Progressive has savings for good student, online signing, homeowner, continuous coverage, multi-policy, and multi-vehicle.
- American Family offers discounts including bundled insurance, multi-vehicle, mySafetyValet, accident-free, and good driver.
- Esurance may have discounts that include anti-lock brakes, renters, multi-policy, multi-car, and paid-in-full.
- Farmers Insurance has discounts for teen driver, switch companies, pay in full, homeowner, distant student, multi-car, and business and professional.
- State Farm may offer discounts for passive restraint, Steer Clear safe driver discount, Drive Safe & Save, defensive driving training, accident-free, anti-theft, and student away at school.
When getting free Steubenville auto insurance quotes, it's a good idea to every company which discounts you qualify for. Some credits may not apply in your state. To see a list of car insurance companies that have a full spectrum of discounts in Ohio, follow this link.
You may need specialized car insurance coverage
When choosing your policy for your personal vehicles, there really isn't a "perfect" insurance plan. Everyone's situation is a little different.
For example, these questions may help you determine whether you could use an agent's help.
- Is my custom stereo system covered?
- What is GAP insurance?
- Is my trailer covered?
- Should I have a commercial auto policy?
- How can I get my company to pay me more for my totalled car?
- Are my company tools covered if they get stolen?
- How much liability do I need to cover my assets?
- Am I better off with higher deductibles on my vehicle?
- How can I force my company to pay a claim?
- Where can I find DUI or SR-22 insurance?
If it's difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It's fast, doesn't cost anything and can provide invaluable advice.
Don't give up on affordable coverage
Insureds leave their current company for many reasons like being labeled a high risk driver, denial of a claim, extreme rates for teen drivers and lack of trust in their agent. It doesn't matter why you want to switch choosing a new company is easier than you think.
When getting Steubenville auto insurance quotes online, never buy less coverage just to save a little money. Too many times, an insured dropped full coverage to discover at claim time that the small savings ended up costing them much more. The goal is to purchase a proper amount of coverage for the lowest price but still have enough coverage for asset protection.
There are still a few companies who may not have online price quotes and most of the time these regional carriers prefer to sell through independent agencies. Cheaper car insurance in Steubenville is attainable both online and with local Steubenville insurance agents, and you should compare price quotes from both so you have a total pricing picture.
More information is available on the following sites:
- Side Impact Crash Tests (iihs.org)
- What Auto Insurance is Cheapest for a Nissan Altima in Ohio? (FAQ)
- Insuring a Leased Car (Insurance Information Institute)
- Credit and Insurance Scores (Insurance Information Institute)
- Choosing an Insurance Company (Insurance Information Institute)
- Older Driver Statistics (Insurance Information Institute)