Affordable Rates on Columbus Car Insurance

Nobody fancies paying their premiums for auto insurance, especially when the prices are way too high.

Unbelievable but true, 70% of consumers have purchased from the same company for at least four years, and about 40% of consumers have never compared quotes from other companies. Many consumers in the United States could save about $859 a year just by getting comparison quotes, but they feel it’s too difficult to compare rates online.

Many insurance companies vie to insure your vehicles, so it’s not easy to compare every provider to find the best rates possible on auto insurance.

If you currently have a car insurance policy, you will most likely be able to get lower rates using these methods. Buying the cheapest insurance in Columbus is actually quite easy if you know where to start. Nevertheless, Ohio drivers must learn how insurance companies determine what you pay and use it to find better rates.

The quickest way to compare car insurance rates is to realize most of the larger companies will pay a fee to give you rate quotes. All consumers are required to do is give them rating details like coverage limits, if you have an active license, an estimate of your credit level, and any included safety features. Your rating data is submitted instantly to many of the top insurers and they return quotes very quickly.

To compare multiple company rates now, click here and find out if you can get cheaper insurance in Columbus.

The providers in the list below can provide quotes in Ohio. If more than one company is shown, we recommend you get rate quotes from several of them in order to find the lowest rates.

Insurance Rates for Popular Vehicles in Columbus
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Crew Cab 2WD $616 $308 $51
Dodge Ram Crew Cab Sport 2WD $626 $313 $52
Ford Escape XLT 2WD $456 $228 $38
Ford F-150 XLT Super Cab 4WD $522 $261 $44
Ford Focus S 4-Dr Sedan $528 $264 $44
Honda Accord LX 4-Dr Sedan $456 $228 $38
Honda CR-V EX 2WD $456 $228 $38
Honda Civic SI 4-Dr Sedan $594 $297 $50
Hyundai Elantra GLS 4-Dr Sedan $566 $283 $47
Hyundai Sonata GLS 4-Dr Sedan $576 $288 $48
Jeep Grand Cherokee Limited 2WD $578 $289 $48
Nissan Altima 3.5 SR 4-Dr Sedan $578 $289 $48
Toyota Camry Hybrid $616 $308 $51
Toyota Corolla XLE $566 $283 $47
Volkswagen Jetta SEL 4-Dr Sedan $578 $289 $48
Get Rate Quotes for Your Vehicle Go

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Information does not factor in Columbus location which can decrease or increase coverage prices considerably.

Three reasons to not skimp on auto insurance

Despite the high cost of buying insurance in Columbus, insuring your vehicle serves an important purpose.

The benefits of carrying enough insurance greatly outweigh the cost, particularly if you ever have a claim. According to a 2015 survey, the average American driver overpays as much as $750 every year so it’s recommended you shop around at every renewal to help ensure money is not being wasted.

Affordable rates on auto insurance with these discounts

Auto insurance companies do not list all possible discounts very clearly, so the following is a list of both the well known as well as the least known auto insurance savings. If you don’t get every credit available, you are throwing money away.Cheaper auto insurance with discounts

As is typical with insurance, most credits do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

A partial list of companies that may include these money-saving discounts include:

When getting a coverage quote, ask every company how many discounts you can get. Some of the discounts discussed earlier may not apply in your state.

Compare prices but still have a local neighborhood Columbus car insurance agent

Some people still prefer to talk to an insurance agent and that is OK! A nice benefit of comparing rates online is you may find lower rates and still choose a local agent.

After filling out this form (opens in new window), your information is submitted to insurance agents in Columbus who will give you quotes to get your business. It makes it easy because there is no need to drive around since price quotes are sent to the email address you provide. You’ll get the best rates AND an agent nearby. If for some reason you want to get a comparison quote for a specific company, don’t hesitate to navigate to their website to submit a rate quote request.

Finding the right company should include more criteria than just the price. You should also get answers to these questions.

You may need specialized auto insurance coverage

When buying insurance from an agent or online for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.Higher deductibles save money

These are some specific questions might point out whether you might need an agent’s assistance.

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Quote. Compare. Save.

Insureds change insurance companies for a variety of reasons including denial of a claim, policy non-renewal, delays in responding to claim requests or an unsatisfactory settlement offer. It doesn’t matter what your reason, switching auto insurance companies can be less work than you think.

In this article, we presented many tips how you can get a better price on auto insurance in Columbus. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even be surprised to find that the best price on auto insurance is with a lesser-known regional company.

Affordable auto insurance in Columbus is possible both online in addition to local insurance agencies, and you should compare price quotes from both to have the best selection. A few companies may not provide the ability to get quotes online and these small insurance companies work with independent insurance agents.

How to buy cheaper car insurance in Columbus

If saving money is your primary concern, then the best way to get more affordable car insurance rates in Columbus is to regularly compare quotes from providers that insure vehicles in Ohio.

  1. Spend some time learning about how insurance works and the factors you can control to prevent expensive coverage. Many things that increase rates such as multiple speeding tickets and poor credit history can be eliminated by paying attention to minor details.
  2. Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or Allstate, while independent agencies can provide price quotes for many different companies. Compare rates now
  3. Compare the new rate quotes to the premium of your current policy and determine if there is any savings. If you find a better price and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Notify your agent or company to cancel your current coverage. Submit a down payment and signed policy application for the new coverage. As soon as coverage is bound, store the certificate verifying coverage in a readily accessible location in your vehicle.

One thing to remember is to try to compare the same physical damage deductibles and liability limits on each quote and and to analyze as many car insurance companies as possible. This enables an accurate price comparison and the best price selection.

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