It takes a little time, but the best way to find the cheapest price for Kia Niro insurance in Toledo is to start comparing prices regularly from different companies who provide auto insurance in Ohio. Rates can be compared by completing these steps.
Step 1: Try to understand what coverages are included in your policy and the modifications you can make to prevent rate increases. Many risk factors that result in higher prices such as tickets, at-fault accidents, and bad credit can be remedied by making minor changes in your lifestyle.
Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive and State Farm, while independent agencies can provide price quotes for a wide range of companies.
Step 3: Compare the price quotes to the price on your current policy and see if there is a cheaper rate. If you can save money, ensure coverage does not lapse between policies.
One thing to point out is to try to use the same deductibles and limits on each quote and and to compare as many companies as feasibly possible. This helps ensure a fair rate comparison and a complete price analysis.
It’s a known fact that auto insurance companies don’t want you to look for a cheaper policy. Drivers who get price quotes annually are likely to switch insurance companies because of the high probability of finding a more affordable policy premium. A study discovered that drivers who routinely shopped around saved about $3,500 over four years as compared to drivers who never shopped around for better prices.
If finding the lowest price on car insurance in Toledo is your objective, then having some insight into how to shop and compare cheaper coverage can help simplify the process.
The providers in the list below are ready to provide free quotes in Ohio. To locate the cheapest auto insurance in Toledo, OH, we suggest you visit several of them to get the best price comparison.
Discounts for cheap car insurance rates
Car insurance is not cheap nor is it fun to buy but there may be some discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically when you get a quote, but a few must be requested specifically in order for you to get them.
- Student Discounts – Being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
- Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving could cut 10% or more on the medical payments or PIP coverage costs.
- Paperwork-free – Some companies provide a small discount for buying a policy and signing up on your computer.
- Save with More Vehicles Insured – Having several vehicles with one company can get a discount on all vehicles.
- Drive Safe and Save – Drivers without accidents can save as much as half off their rates than drivers with accidents.
- No Accidents – Insureds who avoid accidents and claims pay less when compared to drivers who are more careless.
- Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life policy as well.
- Drive Less and Save – Fewer annual miles on your Kia can earn discounted car insurance rates on garaged vehicles.
- Homeowners Savings – Owning a house in Toledo can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
- Onboard Data Collection – Insureds who allow data collection to scrutinize when and where they use their vehicle by using a telematic data system such as State Farm’s In-Drive may see discounts if they exhibit good driving behavior.
One thing to note about discounts is that some of the credits will not apply to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. Despite the fact that it seems like all the discounts add up to a free policy, you’re out of luck.
Larger car insurance companies and the discounts they provide are:
- GEICO policyholders can earn discounts including five-year accident-free, military active duty, defensive driver, anti-lock brakes, daytime running lights, and multi-vehicle.
- Auto-Owners Insurance discounts include paid in full, air bags, safe vehicle, safe driver, and student away at school.
- American Family includes discounts for TimeAway discount, air bags, multi-vehicle, mySafetyValet, good student, and accident-free.
- Esurance may have discounts that include multi-car, emergency road assistance, anti-theft, anti-lock brakes, and Switch & Save.
- Progressive may offer discounts for multi-policy, homeowner, good student, continuous coverage, and online signing.
- State Farm has savings for multiple policy, driver’s education, multiple autos, good student, and accident-free.
- AAA offers premium reductions for multi-car, good student, education and occupation, good driver, anti-theft, and pay-in-full.
If you need lower rates, check with each insurance company to give you their best rates. Savings may not apply to policyholders everywhere. For a list of insurers that offer the discounts shown above in Toledo, click this link.
Best car insurance in Toledo
Insuring your vehicle with a good quality insurer can be difficult considering how many choices there are in Ohio. The company rank data listed below could help you decide which car insurance providers you want to consider when comparing rate quotes.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Get Cheap Insurance Prices by Understanding These Factors
Lots of things are used in the calculation when quoting car insurance. Some are pretty understandable such as your driving record, although some other factors are less obvious such as your marital status or how financially stable you are.
- Save money with GPS tracking and theft deterrents – Choosing to buy a car that has an advanced theft prevention system can get you a discount on your auto insurance. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft and help lower rates.
- Less chance of injury means lower prices – Cars with high safety ratings can get you lower premiums. Safe vehicles reduce occupant injuries and better occupant protection translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Kia Niro is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
- Your spouse saves you money – Being married may earn you lower rates on your auto insurance policy. It means you’re more responsible and insurance companies like that being married results in fewer claims.
- Raising coverage deductibles lowers costs – Coverage for physical damage, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. Examples of covered claims are running into the backend of another car, flood damage, and having your car stolen. Physical damage deductibles are how much you are willing to pay before your auto insurance pays a claim. The more money you’re willing to pay, the lower your rates will be.