To save the most money, the best way to get cheaper car insurance rates in Toledo is to compare quotes annually from insurers that sell auto insurance in Ohio. You can compare rates by following these guidelines.
- Try to learn a little about how companies price auto insurance and the measures you can take to prevent high rates. Many rating factors that are responsible for high rates like speeding and a lousy credit rating can be rectified by making minor changes to your lifestyle. Later in this article we will cover more details to help reduce prices and find overlooked discounts.
- Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like GEICO or Allstate, while independent agencies can provide price quotes for a wide range of insurance providers. View rates
- Compare the new quotes to your existing coverage and see if you can save money. If you find a lower rate quote and change companies, make sure there is no coverage gap between policies.
- Notify your agent or company to cancel your current auto insurance policy and submit the required down payment along with the signed application to your new insurance company. Once received, store the certificate verifying proof of insurance somewhere easily accessible.
A good piece of advice is that you use the same coverage limits and deductibles on each price quote and and to compare as many companies as feasibly possible. This provides an apples-to-apples comparison and a good representation of prices.
Amazingly, a recent NerdWallet.com study showed that over 70% of consumers have purchased from the same company for over three years, and nearly the majority have never compared auto insurance rates at all. American drivers can save up to 47% each year by just shopping around, but they underestimate the benefits if they switched to a more affordable policy.
When comparison shopping, making a lot of price comparisons will enable you to find the best rates. Some insurance companies are not set up to provide Toledo RDX insurance quotes online, so it’s important to also get rates on coverage from those companies, too.
The auto insurance companies shown below offer free rate quotes in Toledo, OH. To get cheap auto insurance in Ohio, we recommend you visit several of them to get a more complete price comparison.
Analysis of Acura RDX rates
The coverage table shown next outlines different insurance prices for Acura RDX models. Learning more about how insurance prices are figured can assist in making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RDX 2WD | $94 | $192 | $218 | $12 | $66 | $582 | $49 |
| RDX AWD | $94 | $192 | $218 | $12 | $66 | $582 | $49 |
| RDX Technology Package 2WD | $106 | $226 | $218 | $12 | $66 | $628 | $52 |
| RDX Technology Package AWD | $106 | $226 | $218 | $12 | $66 | $628 | $52 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can modify insurance rates considerably.
Physical damage deductibles
One of the hardest decisions when shopping for auto insurance is how low should you set your deductibles. The figures shown below may help to illustrate the differences in premium rates between low and high deductibles. The first price estimate table uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RDX 2WD | $196 | $352 | $192 | $12 | $58 | $835 | $70 |
| RDX AWD | $196 | $352 | $192 | $12 | $58 | $835 | $70 |
| RDX Technology Package 2WD | $220 | $416 | $192 | $12 | $58 | $923 | $77 |
| RDX Technology Package AWD | $220 | $416 | $192 | $12 | $58 | $923 | $77 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| RDX 2WD | $142 | $238 | $192 | $12 | $58 | $642 | $54 |
| RDX AWD | $142 | $238 | $192 | $12 | $58 | $642 | $54 |
| RDX Technology Package 2WD | $160 | $280 | $192 | $12 | $58 | $702 | $59 |
| RDX Technology Package AWD | $160 | $280 | $192 | $12 | $58 | $702 | $59 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in specific location information which can impact premium rates substantially.
We can derive from the above data that using a $100 deductible will cost you roughly $17 more each month or $204 every year than opting for the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally average at least 24 months between claims, you would most likely save money going with the higher deductible.
The illustration below illustrates how choosing a deductible and can increase or decrease Acura RDX insurance costs for each age group. The prices are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
When should I discuss my situation with an agent?
Always remember that when buying your policy for your personal vehicles, there really is not a one size fits all plan. Your situation is unique.
For instance, these questions might point out if you could use an agent’s help.
- Am I covered when delivering products for my home-based business?
- How much will a speeding ticket raise my rates?
- Is my business laptop covered if it gets stolen from my vehicle?
- How much liability coverage do I need in Ohio?
- What is medical payments coverage?
- Am I covered when driving a rental car?
- Should I get collision insurance on every vehicle?
- Why is insurance for a teen driver so high in Toledo?
If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.
Can’t I compare rates from local Toledo car insurance agents?
Many drivers just prefer to get professional advice from a licensed agent and we recommend doing that A nice benefit of getting free rate quotes online is you may find better rates but still work with a licensed agent. And supporting small agencies is definitely important in Toledo.
Once you complete this simple form, the coverage information gets sent to agents in your area who will give competitive quotes to get your business. You never need to contact any insurance agencies as quotes are delivered to you. You can find lower rates AND an agent nearby. If you have a need to compare rates from a particular provider, don’t hesitate to find their quoting web page and fill out their quote form.
Insurance agent types
If you are searching for local Toledo agents, it can be helpful to understand the types of insurance agents to choose from. Agents can be classified as either independent (non-exclusive) or exclusive.
Independent Insurance Agents (or Brokers)
Agents that choose to be independent do not work for one specific company and that enables them to quote your coverage amongst many companies and find the cheapest insurance rates. If prices rise, your policy is moved internally without you having to go to a different agency.
When comparing rate quotes, we recommend you compare quotes from multiple independent agents to get the best comparison.
Shown below is a list of independent agents in Toledo that may be able to give rate quotes.
Walton Insurance LLC
3307 N Holland Sylvania Rd #6 – Toledo, OH 43615 – (419) 725-2886 – View Map
Brooks Insurance
1120 Madison Ave – Toledo, OH 43604 – (419) 243-1191 – View Map
American Casualty Insurance
6060 Renaissance Pl i – Toledo, OH 43623 – (419) 885-3571 – View Map
Exclusive Agencies
Agents that elect to be exclusive can only place business with one company like Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot compare rates from other companies so it’s a take it or leave it situation. Exclusive insurance agents are usually well trained on their company’s products and that allows them to sell at a higher price point.
Below are Toledo exclusive agents that are able to give rate quotes.
Allstate Insurance: Tim Wyrostek
2008 N Holland Sylvania Rd – Toledo, OH 43615 – (419) 536-5100 – View Map
Vince Davis State Farm Insurance
3344 Secor Rd – Toledo, OH 43606 – (419) 244-2904 – View Map
Jeff Traudt – State Farm Insurance Agent
2828 Central Ave – Toledo, OH 43606 – (419) 473-3276 – View Map
Picking a auto insurance agent should depend on more than just the quoted price. Any agent in Toledo should be forthright in answering these questions:
- Are they able to influence company decisions when a claim is filed?
- Are they in the agency full-time?
- Is coverage determined by price?
- Does the agent recommend any additional coverage?
- Is the quote a firm price?
- Do the agents have professional certifications like CPCU or CIC?
Which auto insurance company is best in Ohio?
Buying coverage from the highest-rated car insurance company can be challenging considering how many choices drivers have in Toledo. The company information displayed below could help you analyze which providers you want to consider when comparing rates.
Top 10 Toledo Car Insurance Companies Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- GEICO
- AAA Insurance
- Safeco Insurance
- Esurance
- The General
Top 10 Toledo Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- Allstate
- 21st Century
- Travelers