Cheapest Auto Insurance Quotes for Handicapped Drivers in Ohio

Wouldn’t it be great if we knew the exact company that has the best insurance prices for handicapped drivers? It’s not that easy, however, as there are a whole bunch of unknown aspects such as the vehicle you drive, whether you have good or poor credit, if you are married or single, and if you have purchased a home. This article will discuss these factors and others that can influence the price of auto insurance and educate you enough to have a solid foundation to find cheaper car insurance.

Finding good, budget insurance is confusing at best, and deciding which companies have the lowest-priced auto insurance rates for handicapped drivers involves a little more work.

Every insurance provider has their own formula for determining prices, so let’s take a look at the auto insurance companies that tend to be cheaper in Ohio. It’s important to understand that Ohio auto insurance rates are calculated based on many things that control the cost of a policy. Price variation is why it is critical to compare rates when trying to get the best insurance quotes for handicapped drivers. Insurance rates are influenced by many things and can increase or decrease at any time, so the best company the last time you shopped around may now cost much more than other companies.

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Utica National normally has some of the best car insurance rates in Ohio at around $628 each year. Erie, Allied, Frankenmuth, and Travelers also qualify as some of the lowest-priced Ohio insurance companies.

As the example above demonstrates, if you are a customer of Erie and switched to Utica National, you may realize an annual premium reduction of around $59. Policyholders with Allied could save as much as $62 a year, and Frankenmuth customers might reduce rates by $73 a year.

Remember that these estimates are averages for all types of drivers and the different vehicles they drive and do not take into consideration a rate discount for handicapped drivers. So the auto insurance company that fits your situation best may not even be in the above list. That emphasizes why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

When buying car insurance for drivers with handicaps, one of the key factors that is used by car insurance companies to calculate the cost of insurance is where you call home. Cities with larger populations or higher claims like Cleveland, Toledo, and Columbus will most likely pay more, whereas areas with less traffic congestion and claims generally pay less for car insurance.

The illustration below shows the highest-priced areas in Ohio for handicapped drivers to purchase auto insurance in.

Rate quotes are estimated as the garaging address in Ohio can modify prices noticeably.

Full coverage rates compared to liability only

Finding the cheapest car insurance for handicapped drivers in Ohio is the goal of the majority of people, and one common way to find cheap insurance is to not pay for full coverage. The information below compares yearly insurance costs when comparing full coverage to liability only. Data assumes no violations or accidents, $250 deductibles, marital status is single, and no additional discounts are factored in.

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As an average, physical damage coverage costs an additional $1,629 per year more than carrying just liability coverage. Many people question when is the right time to remove full coverage. There is no definitive formula for phasing out physical damage insurance, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than about 10% of replacement cost minus your deductible, then it might be time to buy liability only.

Best rates: Progressive, Allstate, State Farm, or Geico

If you want the best auto insurance for drivers with handicaps in Ohio, some of the first companies to look at are Progressive, Allstate, State Farm, and Geico. The next table rates some of the different options .