#best car insurance rates
Cheapest Auto Insurance Prices
Best Car Insurance Rates In Ohio Cheapest Online Quotes
Get the best car insurance rates in Ohio, compare prices and save money. We re Ohio s top-ranked trusted website for providing free online auto insurance quotes for consumers. We re local ( located between Dayton and Cincinnati) and have provided expert advice for more than 30 years.
Our website helps you find the cheapest policies from the top companies because we live and work here in the state and track rate changes every day. We also help you learn which liability limits are best for your vehicles (state minimum or personal umbrella), and how to maximize your savings by utilizing up to 12 carrier discounts. Choosing the right collision and comprehensive deductibles can save you hundreds of dollars.
Get Your Free Quotes Now
By providing some basic information at the top of the page, we research premiums in your area, and make it easy for you to view multiple rate and plan options. But since we re not captive (that means only affiliated with one company), you ll be provided prices from many carriers that may include State Farm, Allstate, Progressive, Liberty Mutual, Geico, Esurance, Nationwide, Farmers, Erie, Cincinnati and other respected companies.
We make the quoting process easy, by keeping the number of questions low, and only requesting basic information. Your discounts are automatically calculated, and both high risk and preferred drivers can view the best prices. Savings can vary, depending on the number of vehicles and drivers you have in your household. Typical rate reductions are between $200 and $1,400 per year. Of course, fewer and/or older vehicles will always result in lower premiums.
When a new company enters the state, we ll tell you all about how they operate, what you can expect from them if you have a claim, and the ares that they offer the best deals. For example, Elephant Insurance (that s really their name), is starting t expand here in the US and the Midwest. Based in Britain, we ll keep you updated if they start making plans available in the Buckeye state. Also, when companies terminate their operations here (or even scale back), we ll keep you informed.
We prefer not to consider small regional carriers that are based out-of-state and do very little business here. Often, they stop writing and approving business and exit the marketplace. That can leave you in an unenviable position where you re forced to make a change for the wrong reasons. If you are concerned about a specific carrier, or would like us to provide the latest research data, we can provide that information upon request.
We Save You Money On Your Car Insurance Rates In Ohio
How Much Will You Save?
The amount of money you save will depend on many factors. Of course, the driving record of anyone listed on the policy will be one of the big variables. If there are no moving violations or chargeable accidents, you re in a great position to lower your rates. If there are multiple tickets and a few (or more) at-fault accidents, you still may be able to save money. It s not unusual for customers to save between 20% and 60%, compared to their current costs.
Sometimes, the biggest savings in prices is available to drivers with multiple tickets and/or accidents. Prices rapidly reduce, as the violations become older. Typically, there are price breaks when you reach 6,12 and 24 months without any marks on your record. If there are several incidences, the decrease in rates can be quite substantial. If you have an SR-22 Bond, DUI or any other major violation within the last few years, we specialize in finding the least expensive non-standard (high-risk) prices.
Many insurers offer very competitive rates for not-so-perfect driving records, since the impact of speeding tickets (and other violations) is treated differently by each company. We ll research these plans so you have more than one choice when comparing policies. We ll also help you find easy billing plans that don t require you to pay so much money upfront. Often, you may be able to pay a single monthly premium to activate coverage.
And if you need to be covered TODAY, we ll work with you until you re back on the road. If an SR-22 bond is required for you to get back your license, we ll help you with the paperwork, obtain the bond, and show you how to quickly show proof of compliance.
Ohio Minimum Liability Requirements
Ohio, like all other states, requires financial responsibility if you want to drive a vehicle. When you purchase auto insurance, you must meet the state minimum liability limits which include $25,000 bodily injury per person, $50,000 per occurrence and a separate $25,000 of property damage. If your policy provides the state minimum limits, periodically, you should consider increasing the coverage.
Recent legislation (House Bill 278 ) raised these limits from $12,500/ $25,000/ $7,500. Until the increase, Ohio had some of the lowest required limits in the US. Without meeting these requirements, the only other way to legally drive in the state is to take out a $30,000 bond or show proof of financial responsibility approved by the BMV.
Most Ohio car insurance companies also offer many discounts to their customers. And many of them are relatively unknown. When using our website for your free quotes, part of our job is to find the discounts that will save you the most money. For example, most people are familiar with multi-car, multi-policy and good student discounts.
But there are also additional premium reductions (not all carriers) for having very good credit, parking your vehicle in an enclosed garage at night and working for the same employer for an extended period of time. In the upcoming years, you will start to see select companies offer Pay As You Drive options, which reward you if you rarely drive. There would be a specific cost-per-mile instead of a flat rate.
Don t Forget The Good Student And Student Away Discounts
A relatively unknown reduction is the student away discount which can drastically reduce your premium. To qualify, your son or daughter is required to attend college more than 100 miles away from home. Certain carriers may have different mileage requirements. Assuming they don t have access to one of the insured vehicles at school, the savings could be very large. If they stay at school most of the year (including summers), a larger reduction may be credited.
Many carriers will reduce your deductible if you maintain a good driving record. A $500 deductible could turn into a $250 deductible and this would apply to each vehicle you own. Also, when you buy or purchase a new car or truck, in the early years, you may owe more than the vehicle is worth. With gap or new car replacement options (not all companies offer this), you ll be able to replace your vehicle without owing thousands of dollars to the bank or leasing company.
Prices In Major Buckeye Cities
Although we monitor pricing in all cities (big and small), we write specific articles regarding recent trends in some of the larger metropolitan areas. For example, here. you can find the most recent information about options in the Cincinnati area. We also pay special attention to the Columbus, Dayton and Cleveland markets and their surrounding areas.
Big urban areas often see sharp differences in rates from one county or zip code that may only be a few miles (or less) from another. We provide free information regarding the ares that are the most pocketbook-friendly in the state.
On a more personal note, I have been a broker here in Ohio for more than 33 years. Of course, it doesn t seem that long as the time has gone by fast. I know the state car insurance market better than anyone. Through a combination of knowledge, experience, intuition and decades-old contacts, I m committed to finding customers the lowest rates.
Like you, I want quality coverage, great loyal service, and of course, the absolute lowest prices each year. That s exactly what our website can do for you. Read our articles, utilize our free quotes and keep updated on the latest information. Unlike most other resources, we research, write and edit all of our content.
And finally although it s too simple, eliminating all driving on days when there s extreme adverse weather (snow, rain or hail and possibly high winds) will save you money. How? Because your risk of being involved in an accident will substantially reduce. Although it sometimes isn t practical, there will be days where you can avoid being on the road. Or, by simply delaying leaving the house for a few hours, road conditions could vastly improve.
The best car insurance rates in Ohio are available and our free quotes will help you find the best prices. But we re more than one of the top-ranked authorities in the business. We live here in the state, just like you. So there s no better authority that can show you how to save money by shopping the right way and to easily compare the most competitive offers.