Best Cheap Insurance Quotes for 4×4 Vehicles in Ohio

Wouldn’t it be perfect if you could just magically know the one perfect company that has the best insurance prices for 4×4 vehicles? It’s not quite that easy, unfortunately, as there are a whole slew of unknown aspects such as if you want full coverage, when you were born, how much you actually drive in a year, and if you rent or own your home, that all impact the cost of coverage. We are going to cover the things that cause high insurance rates and also should give you a good start in finding the cheapest car insurance in Ohio.

The vehicle that is being insured is one of the largest factors when consumers are trying to find affordable coverage for 4×4 vehicles. Vehicles with lower acceleration and performance, a great safety record, or a track record of few liability claims will cost much less to insure than adrenaline junky models.

The tables below showcases coverage rates for a selection of the cheapest automobiles to insure.

Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in Ohio location which can modify rates considerably.

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can alter premiums substantially.

Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in your specific Ohio location which can change insurance rates substantially.

One of the many factors that auto insurance companies use to determine the amount you pay each year for auto insurance is where you live in Ohio. Regions with more people or even just more weather-related claims like Youngstown, Toledo, and Cincinnati will most likely pay more, whereas less populated areas generally pay less for auto insurance.

The next table displays the priciest cities in Ohio for 4×4 vehicles to buy an auto insurance policy in.

Premium amounts are comparative as the specific garaging location can decrease or increase premium rates substantially.

Finding decent, reasonably-priced insurance is difficult, and figuring out which company has the most affordable car insurance rates for 4×4 vehicles involves even more shopping around. Every car insurance company uses a different method for determining rates in each state, so we’ll take a look at the car insurance companies that tend to be cheaper in Ohio.

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Utica National may offer some of the most affordable car insurance rates in Ohio at around $654 annually. Erie, Frankenmuth, Allied, and Travelers also are some of the more affordable Ohio car insurance companies.

As shown in the rates above, if you currently buy coverage from Frankenmuth and switched to Utica National, you might achieve savings of in the vicinity of $33. Policyholders with Allied may save as much as $43 a year, and Travelers insureds might realize rate reductions of up to $51 a year.

Bear in mind that those premiums are averages for all drivers and vehicles in Ohio and do not factor in a price decrease for 4×4 vehicles. So the company that fits your age and vehicle best may not even be included in the company chart above. That emphasizes why you need to compare prices as often as possible using your own driver information and specific vehicle type.

Types of discounts on Ohio auto insurance rates

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/best-car-insurance-4×4-vehicles-oh.jpg" alt="Cheaper Ohio car insurance for off-road vehicles” />Insurers that sell the best cheap insurance for 4×4 vehicles in Ohio may also give you rate discounts that could potentially reduce rates by as much as 35% or more if you meet certain criteria. Large car insurance companies and some of their more popular discounts are shown below.

• GEICO has savings for multi-vehicle, multi-policy, anti-theft, defensive driver, five-year accident-free, anti-lock brakes, and good student.
• MetLife may include discounts for multi-policy, good student, defensive driver, good driver, claim-free, accident-free
• Progressive has discounts for multi-vehicle, continuous coverage, multi-policy, online quote discount, and homeowner.
• Travelers discounts include new car, hybrid/electric vehicle, IntelliDrive, student away at school, multi-car, and good student.
• SAFECO policyholders can earn discounts including anti-lock brakes, homeowner, teen safe driver, safe driver, and drive less.
• AAA offers premium reductions for education and occupation, pay-in-full, multi-car, multi-policy, and AAA membership discount.

The example below visualizes the comparison of insurance costs with and without discounts applied to the rates. The premiums assume a male driver, no claims or violations, Ohio state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with claim-free, marriage, defensive driving course, homeowner, vehicle safety, and multiple policy discounts applied. When these discounts are applied to the policy premium, the the average amount saved on car insurance for 4×4 vehicles is 28% or $264.

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Does full coverage make sense?

Finding the best cheap insurance for 4×4 vehicles in Ohio is the goal of most people, and a great way to buy cheaper insurance is to buy liability only. The illustration below compares insurance prices with full physical damage coverage compared to only buying liability only. The premium estimates are based on no violations or accidents, $100 deductibles, drivers are not married, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 2237,697],[‘Age 30’, 1167,387],[‘Age 40’, 1155,359],[‘Age 50’, 1049,337],[‘Age 60’, 1013,331],[‘Age 70’, 1229,439]]);var options = {title: ‘Full Coverage Compared to Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Ohio’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If averaged out across all ages, full coverage costs $1,308 per year over liability only. That brings up the question if it’s a good idea to buy full coverage. There isn’t a written rule of when to drop comp and collision coverage, but there is a general convention. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s pretend your vehicle’s replacement cost is $3,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most you would receive is $2,000 after paying your deductible. If you are paying over $200 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where only buying liability is not a good plan. If you haven’t paid off your loan, you have to maintain full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

How to find the best cheap insurance for 4×4 vehicles in Ohio

Below you’ll find some money-saving suggestions that can help drivers find more affordable coverage.

• Increase the comprehensive and collision deductibles on your policy
• Improve your credit
• Too many claims can make car insurance unaffordable
• Having at-fault accidents will increase rates
• Buying car and homeowners insurance together can save money
• Do not get tickets
• Compare rates and switch if you can find a better deal

The last suggestion is highly necessary, as was noted in the article above. Insurance prices adjust frequently, so don’t hesitate to switch companies if a better rate can be found.

Sticking with a specific company is fine, but is isn’t recommended if that devotedness results in you overpaying lots of hard earned cash every month. Now is a great time to compare rates to find cheaper auto insurance for 4×4 vehicles.