The type of vehicle that is being insured is one of the primary factors when shopping for cheaper auto insurance for welfare recipients. Vehicles with higher performance characteristics, a lack of modern safety features, or high incidents of liability claims will cost much more to insure than safer models.
The information below ranks insurance costs for a handful of the most cost-effective automobiles to insure.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape Limited 2WD||$1,292|
|Honda CR-V LX 4WD||$1,383|
|Ford Edge SE AWD||$1,469|
|Nissan Altima 2.5 4-Dr Sedan||$1,497|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$1,515|
|Honda Odyssey EX-L W/Rear Entertainment||$1,576|
|Honda Civic DX 4-Dr Sedan||$1,604|
|Chevrolet Silverado LTZ Crew Cab 4WD||$1,613|
|Jeep Grand Cherokee SRT-8 4WD||$1,604|
|Dodge Grand Caravan Hero||$1,637|
|Chevrolet Impala LT||$1,644|
|Toyota Tacoma 2WD||$1,644|
|Ford F-150 XLT Crew Cab 4WD||$1,669|
|Volkswagen Jetta LE 4-Dr Sedan||$1,682|
|Toyota RAV4 2WD||$1,688|
|Chevrolet Equinox LT 2WD||$1,682|
|Ford Explorer Eddie Bauer 4WD||$1,720|
|Hyundai Elantra GLS 4-Dr Sedan||$1,728|
|Toyota Corolla S||$1,738|
|Toyota Camry SE||$1,728|
|Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD||$1,740|
|GMC Sierra 2500HD SLE Crew Cab 4WD||$1,761|
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in specific location information which can lower or raise auto insurance rates substantially.
Based upon the rates shown, cars like the Ford Escape, Honda CR-V, Toyota Prius, and Ford Edge are most likely going to be some of the cheaper vehicles to insure for drivers on welfare.
For drivers on welfare, one of the more important factors that are looked at to determine car insurance rates is where you normally keep your vehicle in Columbus. Areas with a lot of weather claims or more people are more likely to have higher rates, whereas areas with less people or fewer weather incidents have the benefit of cheaper car insurance.
The information below shows the most expensive cities in Ohio for welfare recipients to buy an auto insurance policy in. Columbus is listed at #4 with an annual cost of $1,199 for car insurance, which is approximately $100 monthly.
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Premium costs are estimated as zip code location can increase or decrease rates significantly.
Shopping around for cost effective car insurance is easier said than done, and finding out which insurers offer the best auto insurance rates for welfare recipients will require even more rate comparisons. Each insurance company has a proprietary formula to determine rates, so first let’s look at the rankings for the overall cheapest auto insurance companies in Columbus, OH.
Cheapest Insurance Rates in Ohio
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|Rank||Company||Cost Per Year|
|8||Merchants Insurance Group||$778|
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Utica National may have some of the cheapest car insurance rates in Columbus at around $628 a year. Erie, Allied, Frankenmuth, and Travelers also make the cut as some of the cheapest Columbus, OH car insurance companies.
In this example, if you have coverage with Erie and switched to Utica National, you could earn a yearly price reduction of about $39. Customers with Allied may save as much as $69 a year, and Frankenmuth customers might see rate reductions of $73 a year.
Remember that these policy prices are averaged for all insureds and vehicles and are not factoring in an exact location for welfare recipients. So the auto insurance company that can offer you the lowest price may not even be in the top 33 companies in the list above. That is why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
The example below demonstrates how choosing different deductibles can raise or lower insurance costs when searching for cheap insurance for welfare recipients. The data assumes a married female driver, full physical damage coverage, and no discounts are factored in.
The data above shows that a 40-year-old driver could cut expenses by $184 a year by changing from a $100 deductible up to a $500 deductible, or save $280 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old example, can save as much as $458 or more by choosing larger deductibles on their policy.
When insureds make the decision to increase the deductibles on their policy, it is a good idea to have enough funds in savings to be able to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Bad driving habits will cost you more
In a perfect world, the ideal way to enjoy low auto insurance prices in Columbus for drivers on welfare is to drive safely and avoid accidents and traffic violations. The information below demonstrates how traffic citations and fender-benders can affect insurance costs for different age groups of insureds. The premium estimates are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.
In the prior example, the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,028. Receive one speeding ticket and the average cost increases to $1,165, an increase of $137 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of auto insurance for welfare recipients increases to an average of $1,543. That’s an increase of $515, or $43 per month, just for not being attentive to the road!
How to find the cheapest car insurance for welfare recipients
The list below shows many thrifty solutions that can help Columbus drivers get lower-cost auto insurance.
- Drive safe vehicles
- Pay lower rates with good credit
- Maintain a safe distance and avoid accidents
- Do not pay for comprehensive and collision coverage on older vehicles
- Higher deductibles save money
- Tickets and violations raise rates
- Look for cheaper rates once a year by shopping around
The last idea is incredibly critical, as we noted in the prior information. Rates can be adjusted at any time, so drivers shouldn’t be resistant to switch carriers if a better deal can be had. Having a favorite company is fine, but we do not recommend it if it’s costing you thousands of dollars over several years. In just a few minutes you could compare rates to find cheaper insurance for welfare recipients in Columbus.
If you aren’t sure which coverage you need and prefer to have some professional guidance when shopping for cheaper insurance for drivers on welfare, the agents below can probably help you decide which insurance coverage will be best for you. To find a Columbus insurance agent closest to you, click the link at the bottom.
GEICO Insurance Agent
7370 Sawmill Rd Suite 2720 – Columbus, OH 43235 – (614) 336-4240
American Family Insurance – Patricia Dews
114 Norton Rd – Columbus, OH 43228 – (614) 878-9720
Danduran and Associates Insurance Agency, Inc.
1827 O Brien Rd – Columbus, OH 43228 – (614) 777-8200