Save Money on Ford Five Hundred Insurance in Cleveland

The best way to get more affordable Ford Five Hundred insurance in Cleveland is to compare quotes once a year from different companies in Ohio. Price quotes can be compared by completing these steps.

An important part of this process is that you’ll want to compare the same coverage limits and deductibles on every price quote and and to get rate quotes from every company you can. This guarantees an apples-to-apples comparison and the best price selection.

Insurance rates Ford Five Hundred in ClevelandIt’s an obvious conclusion that car insurance companies don’t want you shop around. People who shop rates annually are inclined to buy a new policy because the odds are good of finding a lower rate. A study showed that consumers who regularly shopped around saved $3,400 over four years as compared to drivers who never shopped around.

If saving the most money on car insurance is your objective, then having a good understanding the best ways to shop for cheaper coverage can make it simple to find affordable coverage.

Locating the best rates in Cleveland can initially seem challenging. Practically every person who is looking for cheaper car insurance most likely will find a cheaper policy. Although Ohio consumers benefit from understanding the methods companies use to market on the web because rates are impacted by many factors.

Four Things That Determine Your Insurance Premiums

Multiple criteria are used when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, but other criteria are not as apparent like where you live and annual miles driven.

The list below includes some of the major factors that factor into prices.

Don’t let your policy lapse – Going without insurance will be a sure-fire way to drive up your policy premiums. In addition to paying higher premiums, not being able to provide proof of insurance could earn you a fine, jail time, or a revoked license.

Don’t skimp on liability protection – Your insurance policy’s liability coverage will protect you if a jury decides you are liable for causing personal injury or damage in an accident. It provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so insureds should have plenty of protection for their assets.

Add-on coverages can cost a lot – There are a ton of optional add-on coverages that you can get tricked into buying if you don’t pay attention. Coverage for things like roadside assistance, accidental death, and membership fees are some examples. You may think they are a good idea when buying your policy, but if you have no use for them remove them from your policy.

Lower rates come with age – Mature drivers tend to be more responsible, file fewer claims, and are generally more financially stable. Teenage drivers are known to be less responsible when behind the wheel and because of this, their insurance rates are much higher.

Keep in mind that comparing a large number of companies will improve the odds of getting better pricing. Some smaller insurers do not give online Cleveland Five Hundred insurance quotes, so you need to compare price quotes from them as well.

The companies shown below are ready to provide free rate quotes in Ohio. If multiple companies are listed, we suggest you visit several of them to find the most affordable auto insurance rates.

Three main reasons to buy car insurance

Despite the high insurance cost for a Ford Five Hundred in Cleveland, buying car insurance is required by state law in Ohio and it also provides benefits you may not be aware of.

First, almost all states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability in order to be legal. 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.

Second, if you bought your Five Hundred with a loan, most lenders will require you to have insurance to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender may insure your Ford at a much higher premium rate and force you to pay for the expensive policy.

Third, car insurance preserves both your assets and your car. Insurance will pay for most medical and hospital costs that are the result of an accident. One policy coverage, liability insurance, also covers legal expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your Five Hundred greatly outweigh the cost, especially for larger claims. According to a recent study, the average American driver is currently overpaying as much as $800 each year so you should quote your policy with other companies at least once a year to be sure current rates are still competitive.

Get cheaper Ford Five Hundred insurance rates in Cleveland

Some insurers don’t always list the entire discount list very clearly, so we break down some of the best known and the more hidden credits that you can use to lower your rates.Discount car insurance

One thing to note about discounts is that most of the big mark downs will not be given to the entire policy premium. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, you won’t be that lucky. But all discounts will help lower the amount you have to pay.

To see a list of car insurance companies with discount car insurance rates in Ohio, click here to view.

When to talk to a local insurance agent

Some consumers still prefer to sit down with an agent and that is a smart decision One of the benefits of getting free rate quotes online is that you can obtain better rates and still choose a local agent.

To find an agent, once you fill out this form (opens in new window), your coverage information is sent to insurance agents in Cleveland who will give you bids for your insurance coverage. There is no need to search for any insurance agencies as quotes are delivered to you directly. You can find the lowest rates AND an agent nearby. If you wish to compare rates from a specific insurance company, just jump over to their website and complete a quote there.

Choosing an company requires more thought than just the price. Some important questions to ask are:

Choose the right auto insurance agent

If you want to use a reputable insurance agent or broker, there are two types of insurance agents that you can choose from. Auto insurance agents are either exclusive or independent agents depending on their company appointments.

Exclusive Agencies

Agents that choose to be exclusive can only write with one company and some examples include State Farm, AAA, and Liberty Mutual. They usually cannot compare other company’s rates so you might not find the best rates. Exclusive insurance agents are very knowledgeable on what they offer which helps offset the inability to provide other markets.

Listed below are exclusive insurance agents in Cleveland willing to provide price quote information.

Robert Jones – State Farm Insurance Agent
12405 Larchmere BlvdCleveland, OH 44120(216) 229-3276View Map

16812 Chagrin BlvdShaker Heights, OH 44120(216) 283-0080View Map

4342 Ridge RdBrooklyn, OH 44144(216) 741-6100View Map

More insurance agents

Independent Insurance Agents

Independent insurance agents do not sell for just one brand and that is an advantage because they can write policies with any number of different companies and potentially find a lower price. If you want to switch companies, your agent can switch companies and the insured can keep the same agent.

If you need cheaper auto insurance rates, you need to get quotes from at least one independent agent so that you can do a thorough price comparison.

The following is a short list of independent insurance agencies in Cleveland who can help you get price quotes.

16700 Chagrin BlvdCleveland, OH 44120(216) 752-7100View Map

3100 W 25th StCleveland, OH 44109(216) 281-3900View Map

20660 Aurora RdCleveland, OH 44146(216) 475-6800View Map

More insurance agents

What is the best insurance coverage?

Always keep in mind that when comparing the best insurance coverage, there really is no best way to insure your cars. Every situation is different and your insurance should unique, too.Insurance savings
These are some specific questions can aid in determining whether you might need an agent’s assistance.

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

More effort can pay off

As you prepare to switch companies, do not sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. The goal is to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

Some companies do not provide rate quotes online and many times these smaller companies only sell coverage through independent agencies. Lower-priced car insurance in Cleveland is available from both online companies in addition to many Cleveland insurance agents, and you should compare rates from both to have the best chance of lowering rates.

Much more information about car insurance in Ohio is located on the following sites: