How many times have you told yourself it's time to shop around for lower-priced insurance rates in Xenia, OH? Searching for low-cost insurance for a car in Ohio could be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to find insurance online so we're going to tell you the best way to compare rates on a and get the lowest price.

Discounts mean cheaper rates

Buying auto insurance is not cheap, but you might be missing out on some discounts that many people don't even know exist. A few discounts will be applied at the time you complete a quote, but a few must be specifically requested before you get the savings.Cheaper auto insurance with discounts

As a footnote on discounts, many deductions do not apply to the entire policy premium. Most cut individual premiums such as medical payments or collision. So when the math indicates you would end up receiving a 100% discount, company stockholders wouldn't be very happy. Any qualifying discounts will positively reduce your policy premium.

Auto insurance companies that may offer these benefits include:

If you want cheap Xenia car insurance quotes, ask all companies you are considering which discounts you qualify for. Discounts might not be available to policyholders in every state. If you would like to view companies that offer many of these discounts in Xenia, follow this link.

The following companies offer free quotes in Ohio. If multiple companies are listed, we suggest you get price quotes from several of them to get a more complete price comparison.

Insurance Costs for Popular Vehicles in Xenia
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu Hybrid $750 $375 $63
Chevrolet Silverado LS Crew Cab 2WD $1,014 $507 $85
Dodge Ram Quad Cab Sport 4WD $1,060 $530 $88
Ford Escape XLT 2WD $748 $374 $62
Ford Explorer XLT AWD $646 $323 $54
Ford F-150 XLT Crew Cab 2WD $646 $323 $54
Ford Focus SE 2-Dr Coupe $604 $302 $50
Honda Accord EX 4-Dr Sedan $508 $254 $42
Honda CR-V LX 4WD $666 $333 $56
Honda Civic Hybrid 4-Dr Sedan $648 $324 $54
Hyundai Elantra SE 4-Dr Sedan $748 $374 $62
Hyundai Sonata Limited 4-Dr Sedan $876 $438 $73
Jeep Grand Cherokee Laredo 2WD $610 $305 $51
Nissan Altima 2.5 4-Dr Sedan $808 $404 $67
Toyota Camry LE $786 $393 $66
Toyota Corolla S $728 $364 $61
Toyota Prius $494 $247 $41
Toyota Tacoma 2WD $756 $378 $63
Volkswagen Jetta S 2.5 Station Wagon $620 $310 $52
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can alter coverage rates significantly.

Choosing deductibles

The diagram below demonstrates how deductible levels and can affect Toyota Camry insurance costs for different ages of insureds. The premiums assume a married male driver, full coverage, and no discounts are applied to the premium.

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

Xenia insurance costs by gender and age

The illustration below visualizes the comparison of insurance premiums for male and female drivers in Xenia. The price estimates are based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, marital status is single, and no policy discounts are applied on a GMC Acadia SLT.

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

How much auto insurance do I need?

When it comes to choosing your policy for your personal vehicles, there isn't really a one-size-fits-all type of policy. Everyone's situation is unique.Auto insurance savings

Here are some questions about coverages that might help in determining if your situation could use an agent's help.

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

When should I get advice from an insurance agency?

A lot of people still like to buy from a local agent and that is not a bad decision Good agents can answer important questions and will help you if you have claims. One of the best bonuses of comparing rate quotes online is the fact that you can find cheap car insurance rates but still work with a licensed agent. And supporting neighborhood agents is definitely important in Xenia.

Xenia insurance agentsTo help locate an agent, after submitting this simple form, your coverage information is submitted to agents in your area who will give competitive quotes to get your business. It makes it easy because there is no need to search for any insurance agencies because quoted prices will be sent immediately to you. If you have a need to get a price quote from a specific company, just find their quoting web page and submit a quote form there.

Finding a good company should depend on more than just a cheap quote. These questions are important to ask:

Three reasons insurance is important

Even though it's not necessarily cheap to insure a vehicle in Xenia, paying for insurance is a good idea for several reasons.

The benefits of carrying adequate insurance more than offset the price you pay, especially when you need to use it. In a recent study of 1,000 drivers, the average customer overpays more than $865 each year so it's very important to do a rate comparison at every renewal to make sure the price is not too high.

Car insurance coverages and their meanings

Having a good grasp of a car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your vehicle.

Because many people only carry the minimum required liability limits (Ohio limits are 25/50/25), their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like pain medications, rehabilitation expenses, ambulance fees and hospital visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Medical Payment Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 3500 Chevrolet Sonic
Chevrolet Silverado 2500 Chevrolet Spark
Ford Expedition Hyundai Accent
Tesla Model S Nissan Sentra
Ford F-350 SuperCrew Mitsubishi Mirage
Audi A4 Allroad Nissan Versa

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

Liability insurance

This can cover injuries or damage you cause to other's property or people that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person's injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like repair costs for stationary objects, funeral expenses, repair bills for other people's vehicles, legal defense fees and structural damage. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible. Ohio state minimum liability requirements are 25/50/25 but drivers should carry better liability coverage.

Vehicle Make and Models with the Lowest and Highest Liability Coverage Claims
Lowest Claim Amount Highest Claim Amount
Volvo XC60 Chevrolet Impala
Acura MDX Kia Optima
Mercedes-Benz SL Class Kia Rio
Audi A6 Chevrolet Cruze
Subaru Outback Dodge Charger
Fiat 500 Mitsubishi Mirage

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

Collision insurance

Collision coverage covers damage to your vehicle resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, damaging your car on a curb, hitting a parking meter, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It's also possible to increase the deductible to get cheaper collision coverage.

Lowest and Highest Collision Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
GMC Canyon BMW 6 Series
Ford Edge Bently Continental GTC
Jeep Wrangler Bently Continental GT
Nissan Xterra Audi RS7
Ford F-150 SuperCrew Maserati Granturismo
Smart ForTwo Ferrari 458

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

Comprehensive car insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like vandalism, damage from flooding, damage from getting keyed and hitting a bird. The most your car insurance company will pay is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Vehicles with the Lowest and Highest Car Insurance Comprehensive Claims
Lowest Claim Amount Highest Claim Amount
Ford F-350 BMW M6
Chevy Silverado 2500 Maserati Granturismo
Volvo V60 Bentley Continental GT
Smart ForTwo Bentley Continental GTC
Chevy Spark Mercedes-Benz S Class
GMC Sierra 2500 Porsche Panamera GTS

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

Persistence is the key to cheaper rates

A few companies do not provide online price quotes and usually these smaller providers work with independent insurance agents. Discount car insurance can be sourced online and with local Xenia insurance agents, and you should compare price quotes from both to get a complete price analysis.

Insureds change insurance companies for many reasons like denial of a claim, delays in paying claims, extreme rates for teen drivers or lack of trust in their agent. Regardless of your reason for switching companies, switching companies is not as difficult as it may seem.

We just presented a lot of ways to lower your car insurance prices in Xenia. It's most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Drivers may even discover the best price on car insurance is with the smaller companies.

Additional detailed information is located at these sites: