How Much are Auto Insurance Quotes for Drivers with Accidents in Ohio?

The vehicle that is being insured is one of the biggest factors when consumers are trying to find cheap auto insurance for drivers with accidents in Ohio. Vehicles with higher performance characteristics, a lack of advanced safety features, or a track record of large liability claims will cost more to insure than safer, lower-performance models.

The next table showcases car insurance prices for a handful of the cheapest vehicles to buy coverage for.

Prices above based on single female driver age 40, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Information does not factor in specific zip code location which can affect coverage rates noticeably.

By looking at the data, we can presume that makes and models like the Ford F-150, Honda CR-V, Volkswagen Jetta, Ford Escape, and Dodge Grand Caravan will definitely be the most budget-friendly vehicles to insure for drivers with at-fault accidents. Prices will tend to be higher just due to the fact that there is more liability exposure for drivers with accidents, but overall those particular vehicles will have the cheapest rates available.

Finding dependable, cost effective auto insurance is difficult, and finding out which insurers offer the cheapest auto insurance rates for drivers with accidents will involve even more perseverance. Rates will be a little bit pricier than the average rate in Ohio, with the higher price attributed to the extra risk that goes along with selling coverage for drivers with at-fault accidents, but reasonable insurance should be available if you look hard enough.

Each insurer has their own unique process for establishing rates, so let’s begin by examining the auto insurance companies with the overall cheapest rates in Ohio.

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Utica National offers some of the most affordable car insurance rates in Ohio at around $628 per year. Erie, Allied, Frankenmuth, and USAA also are some of the more affordable Ohio car insurance companies.

As the example above demonstrates, if you buy coverage from USAA and switched to Erie, you might realize savings of in the vicinity of $30. Customers with Travelers might save as much as $45 a year, and Cincinnati Insurance policyholders might reduce prices by as much as $75 a year.

To find cheap auto insurance for drivers with accidents in Ohio for your vehicle, click here to start a quote or quote rates from the companies below.

Bear in mind that those rates are averaged across all drivers and vehicles in Ohio and do not factor in a rate surcharge for drivers with accidents. So the insurer that has the cheapest rates for you may not even be featured in the company chart above. That emphasizes why you need to get quotes using your own specific driver information and vehicle.

Difference between full coverage and liability only rates

Finding cheap auto insurance for drivers with accidents in Ohio is important to the majority of people, and a great way to find cheap insurance is to not insure for full coverage. The illustration below shows the difference between premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no accidents or driving violations, $500 deductibles, drivers are not married, and no other discounts are factored in.

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Averaged for all ages 20 through 70, full coverage on your policy costs an extra $1,077 per year more than just insuring for liability. Many people question if it’s a good idea to buy full coverage. There isn’t a written rule to eliminate full coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let’s say your vehicle’s replacement cost is $11,500 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $10,500 after the policy deductible has been paid. If you are currently paying more than $1,050 annually for full coverage, then you may want to consider only buying liability coverage.

Cheap insurance quotes for drivers with at-fault accidents

Drivers have a lot of different ways to quote and buy auto insurance in Ohio, but the most frequently used methods are from a non-exclusive or independent agent, an exlusive agent like Liberty Mutual or State Farm, or buying direct from a company like Progressive or Geico. They all have the same end result, but each is different in how they provide price quotes.

Independent agencies are appointed by several companies and can provide price quotes from all of them. Independent agents do not sell for just one brand and can give you more rate choices, which may give you the best shot at cutting your rates. If they find a lower price, an independent agent can move your coverage and you stay with the same agent.

An agent who is captive is usually just provide rates from just one company, two examples are an Auto-Owners or Allstate agent. These agents normally cannot provide rates from more than one company, so you will not be able to compare multiple prices.

If you want to buy auto insurance direct, you skip local insurance agents and buy direct from companies such as Esurance or Geico. Buying auto insurance direct may be good for people who do not need complex risk management and know what coverage limits and deductibles they need.

Out of those three methods, which one works best to find cheap auto insurance for drivers with accidents in Ohio? It would be easy to say shopping direct yields the cheapest rates because there is no agent taking a commission, but that does not always hold true. We could also assume that using an independent agent saves the most money since there are more companies to choose from, but that assumption is also not accurate. In many cases, exclusive agencies have really good rates that are the lowest in Ohio.

Because it’s impossible to say who has the best auto insurance rates, the only true way to buy the cheapest coverage is to compare lots of quotes. If time allows, get prices from all three types to give yourself the best selection. For a list of companies with cheap rates in Ohio, click here to view.

How to find the cheapest insurance for drivers with accidents

Below you’ll find a few thrifty solutions that can help drivers buy lower-cost coverage.

• Increase the comprehensive and collision deductibles on your policy
• Full coverage may not be needed on older vehicles
• If possible, pay for small claims out-of-pocket
• Be a safe driver
• Accident-free drivers may qualify for discounts
• Ensure you have the best deal by shopping around regularly

The last suggestion is highly necessary, as was affirmed in the prior information. Coverage prices fluctuate considerably, so drivers shouldn’t hesitate to switch carriers if you find a cheaper price. Many drivers tend to have loyalty to a certain company, but we do not recommend it if it’s costing you a small fortune year after year. In just a couple of minutes you could shop around to find cheaper car insurance for drivers with accidents.