It’s hard to fathom, but a large majority of consumers kept buying from the same company for four years or more, and 38% of drivers have never compared rate quotes at all. The average driver in Ohio could save an average of nearly 55% each year by just comparing rate quotes, but most just don’t grasp how much money they would save if they replace their high priced policy.
If you want to save the most money, the best way to find cheaper prices for auto insurance rates in Columbus is to start comparing rates regularly from insurers in Ohio. You can compare rates by following these steps.
- Try to comprehend how auto insurance works and the things you can control to prevent expensive coverage. Many things that result in higher prices like speeding and a not-so-good credit rating can be improved by improving your driving habits or financial responsibility. This article gives tips to get cheaper rates and earn a bigger discount.
- Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO or Allstate, while independent agencies can provide prices from multiple insurance companies.
- Compare the new quotes to your existing policy to determine if you can save on tC insurance in Columbus. If you can save some money, make sure coverage is continuous and does not lapse.
- Notify your current company of your intention to cancel your current policy and submit the application along with any required down payment for the new policy. As soon as you can, keep your new certificate verifying proof of insurance with your vehicle’s registration.
A valuable tip to remember is to compare the same level of coverage on each price quote and and to look at as many car insurance companies as possible. This ensures a level playing field and the best price selection.
Buying the cheapest auto insurance in Columbus is not that difficult as long as you know where to start. In essence, anyone who buys auto insurance should find a lower-cost company. But Ohio drivers should learn the way companies determine prices because it can help you find the best coverage.
The majority of larger companies make it easy to get pricing online. Doing online price comparisons for Scion tC insurance in Columbus is possible for anyone as you simply type in the coverages you want into the quote form. Once entered, the company’s rating system collects reports for credit and driving violations and generates a price based on these and other factors. This makes comparing rates easy, and it’s also necessary to do this if you are searching for a lower rate.
In order to compare rates using this form now, check out the auto insurance providers below. If you currently have coverage, we recommend you input the insurance coverages identical to your current policy. This guarantees you will get rate quotes using the same coverage and limits.
The companies shown below offer comparison quotes in Columbus, OH. If several companies are displayed, we suggest you compare several of them in order to find the cheapest rates.
Scion tC insurance charts and tables
The coverage table below covers a range of rate quotes for Scion tC models. Being aware of how insurance prices are figured is important for drivers to make decisions on the best policy coverages.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|TC 2-Dr Hatchback||$168||$492||$320||$18||$96||$1,094||$91|
|Get Your Own Custom Quote Go|
Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rates do not factor in specific zip code location which can modify premiums noticeably.
The diagram below highlights how deductible selection and can impact Scion tC insurance premiums for different age categories. The rate quotes are based on a married female driver, full physical damage coverage, and no discounts are factored in.
How accidents and violations affect rates
The chart below shows how violations and fender-benders increase Scion tC yearly insurance costs for different age categories. The rate quotes are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.
Auto insurance is not optional in Ohio
Even though it can be expensive, auto insurance is a good idea for several reasons.
- The majority of states have mandatory insurance requirements which means you are required to carry a specific level of liability insurance coverage in order to get the vehicle licensed. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Scion tC, almost all lenders will require you to buy insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may insure your Scion for a lot more money and require you to pay the higher premium.
- Auto insurance preserves both your vehicle and your personal assets. Insurance will also pay for all forms of medical expenses incurred in an accident. Liability insurance also pays expenses related to your legal defense if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to repair the damage.
The benefits of carrying adequate insurance more than cancel out the cost, especially for larger claims. The average driver in Ohio is overpaying over $800 each year so it’s important to compare rates at every policy renewal to be sure current rates are still competitive.
Auto insurance policy coverages for a Scion tC
Learning about specific coverages of auto insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverage types found on most auto insurance policies.
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Scion tC.
Due to the fact that many Ohio drivers only carry the minimum required liability limits (25/50/25), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Comprehensive (Other than Collision)
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like fire damage, rock chips in glass and falling objects. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
This coverage covers damage to your tC resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as driving through your garage door, scraping a guard rail, rolling your car and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your tC to get cheaper collision coverage.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for bills for rehabilitation expenses, ambulance fees, doctor visits and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage
This protects you from damage or injury you incur to other people or property in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property.
Liability coverage pays for claims such as structural damage, repair bills for other people’s vehicles, loss of income, court costs and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford. Ohio requires minimum liability limits of 25/50/25 but drivers should carry more coverage.
The next chart shows why the minimum limit may not provide adequate coverage.
Cheap coverage is out there
We just showed you many ways to get a better price on Scion tC insurance in Columbus. The key concept to understand is the more times you quote, the better likelihood of getting the cheapest Scion tC rate quotes. You may even discover the lowest rates are with a small local company. Some small companies often have lower car insurance rates on specific markets than the large multi-state companies such as State Farm and Allstate.
As you quote Columbus auto insurance, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice uninsured motorist or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to purchase plenty of coverage at an affordable rate, but do not skimp to save money.
More information can be read below:
- Frontal Crash Tests (iihs.org)
- Who Has Affordable Columbus Car Insurance Quotes for Single Moms? (FAQ)
- Who Has Affordable Columbus Car Insurance for a Toyota Tundra? (FAQ)
- How Much are Auto Insurance Quotes for a Chevrolet Equinox in Columbus? (FAQ)
- What Car Insurance is Cheapest for a Nissan Rogue in Columbus? (FAQ)
- Understanding Car Crashes Video (iihs.org)
- Determining Auto Insurance Rates (GEICO)
- A Tree Fell on Your Car: Now What? (Allstate)