Think you have an expensive insurance policy? Believe me when I say you're not the only one.

Astonishing but true according to a recent study, the vast majority of insurance customers kept their policy with the same company for four years or more, and roughly 40% of drivers have never compared insurance rates at all. Consumers in Sylvania could save about 55% every year, but they just feel it's too hard to find cheaper insurance rates.

Numerous car insurance companies battle to insure your vehicles, and because of this it can be hard to compare insurance companies and get the definite lowest rate possible on insurance.

It's important to take a look at other company's rates periodically since insurance prices are constantly changing. If you had the best deal on insurance a few years ago there may be better deals available now. There are a lot of ways to save on insurance on the web, but by reading this article, you're going to learn a bunch of ideas how to lower your insurance bill.

Most major insurance companies like GEICO, State Farm and Progressive make it easy to get insurance quotes direct online. Comparing insurance rates online is easy for anyone because it's just a matter of typing in the amount of coverage you want into a form. When the form is submitted, their system obtains information on your driving record and credit history and returns a price quote determined by many factors. This helps simplify price comparisons, and it's necessary to do this if you are searching for the best insurance rates.

In order to find out if lower rates are available, compare rate quotes from the providers shown below. To compare your current rates, we recommend you enter the coverages exactly as they are listed on your policy. Doing this guarantees you will be getting a rate comparison for the exact same coverage.

The following companies have been selected to offer comparison quotes in Sylvania, OH. If more than one company is shown, it's highly recommended you visit as many as you can to get the best price comparison.

Insurance Rate Estimates for Popular Vehicles in Sylvania
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado Crew Cab Hybrid 2WD $886 $443 $74
Dodge Ram Crew Cab SLT 2WD $746 $373 $62
Ford Escape Limited 4WD $736 $368 $61
Ford F-150 XL Regular Cab 4WD $762 $381 $64
Ford Focus SE 2-Dr Coupe $660 $330 $55
Honda Accord EX 2-Dr Coupe $676 $338 $56
Honda CR-V LX 4WD $682 $341 $57
Honda Civic SI 2-Dr Coupe $1,296 $648 $108
Jeep Wrangler Sport 4WD 2-Dr $632 $316 $53
Mazda 3 S Grand Touring 4-Dr Sedan $768 $384 $64
Nissan Altima 2.5 S 2-Dr Coupe $674 $337 $56
Nissan Rogue SL 2WD $860 $430 $72
Toyota Camry SE $730 $365 $61
Toyota Corolla XRS $868 $434 $72
Volkswagen Jetta SE 4-Dr Sedan $648 $324 $54
Get Your Own Custom Quote Go

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in vehicle garaging location which can decrease or increase premiums substantially.

Males versus Females

The information below visualizes the comparison of premium costs for male and female drivers in Strongsville. The rates are based on no tickets, no at-fault accidents, full physical damage coverage, $500 deductibles, single marital status, and no discounts are applied on a Ford Fusion Sport.

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

Higher deductibles lower rates

The diagram below demonstrates how deductibles and can increase or decrease Ford Fusion insurance costs for different age groups of insureds. Data assumes a married female driver, comp and collision included, and no discounts are applied to the premium.

Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.

Reduce your car insurance rates with discounts

Some insurers don't always list all their discounts in an easy-to-find place, so the list below contains both well-publicized and also the lesser-known credits that may apply to you.Car insurance discounts

Consumers should know that most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. So even though it sounds like adding up those discounts means a free policy, companies don't profit that way.

Large car insurance companies and a selection of discounts are shown below.

If you want the cheapest Sylvania car insurance quotes, ask every insurance company to apply every possible discount. Some discounts may not be offered everywhere. To see a list of providers with discount rates in Sylvania, click here.

Learn how to lower your auto insurance prices

Many factors are used when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, but other factors are not quite as obvious such as your marital status or how financially stable you are. When buying auto insurance it's important to understand the factors that come into play when calculating your policy premiums. If you understand what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to cheaper rates.

The factors shown below are some of the things used by your company to calculate your rates.

Older drivers save more - Drivers with little experience are statistically shown to be inattentive behind the wheel so they pay higher auto insurance rates. Mature drivers have been proven to be more responsible, tend to file fewer claims, and usually have better credit.

Drivers with responsible credit save on auto insurance - A driver's credit score can be an important factor in calculating your premium rate. Insureds that have good credit tend to be less risk to insure than those with lower credit ratings. Therefore, if your credit history leaves room for improvement, you may save money insuring your vehicle by improving your credit score.

Eliminate add-on coverages - Insurance policies have a lot of extra add-on coverages that you can buy on your policy. Coverages for coverage for rental cars, high-cost glass coverage, and term life insurance may be wasting your money. They may seem good when you first buy your policy, but if they're wasting money think about removing them and cutting costs.

Pay lower rates if you're married - Having a spouse may earn you lower rates on your policy. Marriage usually means you are more financially stable and insurance companies reward insureds because married drivers tend to file fewer claims.

Don't give up on affordable coverage

As you go through the steps to switch your coverage, it's not a good idea to buy poor coverage just to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits only to regret at claim time they didn't have enough coverage. Your goal is to purchase a proper amount of coverage at the best possible price.

Some auto insurance companies do not offer online quoting and most of the time these smaller providers only sell through independent agents. Lower-priced auto insurance in Sylvania is definitely available both online and from local insurance agents, and you should compare rates from both to have the best selection.

Additional auto insurance information is located at the links below