The words “economical” and “auto insurance” really shouldn’t be used together, in particular when looking for the best car insurance rates for 4×4 vehicles. To help control this cost, let’s teach you a few of the things the can have a considerable influence on car insurance rates, and find out if you can take a little off your next policy.
The vehicle model requiring insurance is probably the most important factor that determines if you can find cheap insurance for 4×4 vehicles. Vehicles with high performance features, a lack of modern safety features, or a high likelihood of having liability claims will cost significantly more to insure than safer, lower-performance models. The table below outlines auto insurance prices for a number of the cheapest automobiles to buy coverage for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$1,396|
|Ford Escape XLT 4WD||$1,426|
|Honda CR-V EX 4WD||$1,434|
|Toyota Camry LE||$1,444|
|Chevrolet Malibu LT||$1,471|
|Hyundai Sonata GLS 4-Dr Sedan||$1,547|
|Dodge Ram Crew Cab TRX 2WD||$1,574|
|GMC Sierra 3500HD SLE Extended Cab 2WD||$1,579|
|Nissan Rogue SL AWD||$1,622|
|Honda Accord EX 2-Dr Coupe||$1,632|
|Toyota Camry Hybrid||$1,649|
|Toyota RAV4 Limited 2WD||$1,654|
|Nissan Altima 2.5 4-Dr Sedan||$1,662|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$1,684|
|Ford Explorer Eddie Bauer AWD||$1,689|
|Ford F-150 XLT Crew Cab 4WD||$1,684|
|Ford Focus SEL 4-Dr Sedan||$1,710|
|Ford Edge SEL 2WD||$1,737|
|Honda Odyssey EX||$1,742|
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Prices do not factor in specific location which can raise or lower auto insurance rates substantially.
Based upon the rates shown, models like the Toyota Prius, Hyundai Elantra, and Ford Escape will definitely be a few of the most economical vehicles to insure for off-road vehicles.
One of the many factors that are used to help calculate the amount you pay for auto insurance is where you live. Larger areas tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims benefit from having to pay less for coverage.
The following table shows the most costly cities in Ohio for 4×4 vehicles to buy an auto insurance policy in. Cleveland comes in at #4 with the annual price of $1,235 for the average insured, which is about $103 monthly.
|Rank||City||Average Per Year|
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Prices are estimated as the specific zip code location can increase or decrease premiums greatly.
Cleveland car insurance companies ranked
Buying coverage from a good quality car insurance company is hard considering how many choices there are in Cleveland. The ranking information listed below can help you select which insurers you want to consider putting your business with.
These rankings are for the companies with a significant amount of written premium nationwide, so companies that may only write in Ohio will not be included in these rankings. To check prices from many more Ohio auto insurance companies, follow this link.
Top 10 Major Auto Insurers in Cleveland Ranked by Customer Satisfaction
- USAA – 92%
- Erie Insurance – 88%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
Top 10 Major Auto Insurers in Cleveland Ranked by Customer Service
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Liberty Mutual
- Erie Insurance
How to get discounts on Cleveland car insurance
Car insurance companies that provide coverage for 4×4 vehicles may provide policy discounts that can reduce rates by 40% or more if you meet specific criteria. Companies and the discounts they provide are outlined below.
- 21st Century includes discounts for 55 and older, automatic seat belts, anti-lock brakes, theft prevention, teen driver, early bird, and driver training.
- State Farm discounts include Steer Clear safe driver discount, anti-theft, good student, defensive driving training, accident-free, and good driver.
- AAA may offer discounts for education and occupation, multi-policy, multi-car, anti-theft, and pay-in-full.
- Liberty Mutual offers discounts including new move discount, preferred payment discount, new vehicle discount, teen driver discount, newly married, multi-car, and hybrid vehicle.
- Progressive has discounts for multi-policy, online signing, continuous coverage, good student, online quote discount, homeowner, and multi-vehicle.
The chart below shows the comparison of yearly insurance costs with and without discounts applied to the rates. The data is based on a female driver, no violations or accidents, Ohio state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with accident-free, multiple policy, vehicle safety, defensive driving course, claim-free, and homeowner discounts applied. When these discounts are applied, the average amount saved each year on car insurance for 4×4 vehicles is 28% or $340.
The information below illustrates how your choice of deductibles can change annual premium costs when researching cheap insurance for 4×4 vehicles. Data assumes a married female driver, full physical damage coverage, and no discounts are factored in.
In the chart above, a 50-year-old driver could pocket $156 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $234 by switching to a $1,000 deductible. Young drivers, like the Age 20 chart data, could possibly save as much as $384 or even more just by using higher deductibles.
When increasing deductibles, it will be required to have emergency funds available to allow you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Compare rates to save
Cleveland car insurance rates are impacted by many things that will increase or decrease the price you have to pay for coverage. Turning one year older, having a claim, or getting a speeding ticket can trigger changes in premium that may make certain companies cheaper than competitors.
Not only may your situation change, but car insurance companies change prices as needed to reflect underwriting profits or losses. Higher than usual claims can cause more expensive prices, while profitable underwriting may cause more affordable Cleveland car insurance rates.
For instance, the bar chart below shows which company has the cheapest car insurance in Cleveland, OH for a 45-year-old male driver with no prior claims, no tickets, and solid credit. When comparing rates based on his current rating profile, Utica National offers the most affordable car insurance rates in Cleveland at $795 each year. This is $245 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are also included in the best Cleveland, OH auto insurance companies.
The example below compares rates after we give the driver from above a chargeable accident, bad credit, and a traffic citation. Since each insurance company uses their own calculation to determine rates, comparing quotes most likely will result in a significantly different list of affordable companies as shown below.
Cincinnati Insurance now has the best price in Cleveland, OH with Merchants Insurance Group, Motorists Mutual, General Casualty, and Grange Mutual completing the list. This example shows why it is so important to take the time to shop around when trying to get the most economical auto insurance quotes for 4×4 vehicles.
Rates are calculated by many different factors and change dramatically, so the lowest-price company six months ago may now be wasting a lot of money.