The words “cheap” and “insurance” really shouldn’t be used in the same sentence, in particular when shopping around for the best insurance rates for state employees. Because of the high cost, let’s take a look at some of the factors that significantly impact insurance premiums, and find some ways to lower the cost of your next policy.
The vehicle model to be insured is one of the largest factors that determines the availability of low-priced car insurance for state employees. Vehicles with economical engines, good crash test ratings, or a track record of few liability claims will cost significantly less to insure than high performance models.
The table below presents coverage costs for a handful of the most cost-effective automobiles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Jeep Wrangler Sport 4WD 2-Dr | $1,292 |
| Toyota Prius | $1,378 |
| Chevrolet Equinox LT 2WD | $1,474 |
| Honda Accord LX-P 4-Dr Sedan | $1,527 |
| Ford Escape Limited 4WD | $1,547 |
| Honda CR-V EX-L 4WD | $1,563 |
| Kia Optima LX | $1,580 |
| Nissan Rogue S 2WD | $1,589 |
| Ford Edge SEL 2WD | $1,654 |
| Honda Odyssey LX | $1,677 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,684 |
| GMC Sierra SLE Crew Cab 2WD | $1,687 |
| Toyota Camry LE | $1,697 |
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price estimates do not factor in specific zip code location which can change auto insurance rates greatly.
By looking at the data, cars like the Jeep Wrangler, Toyota Prius, Chevrolet Equinox, Honda Accord, and Ford Escape should be the less-costly vehicles to insure for state workers.
Finding good, reasonably-priced car insurance is not always easy, and figuring out which company offers the cheapest insurance rates for state employees will take a bit more work. Every insurance company uses their own method to set policy rates, so let’s take a look at the most affordable insurance companies in Cleveland.
Lowest Insurance Price Quotes in Ohio
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $628 |
| 2 | Erie | $667 |
| 3 | Frankenmuth | $680 |
| 4 | Allied | $697 |
| 5 | Travelers | $712 |
| 6 | USAA | $733 |
| 7 | Cincinnati Insurance | $756 |
| 8 | Merchants Insurance Group | $771 |
| 9 | Motorists Mutual | $800 |
| 10 | General Casualty | $813 |
| 11 | Grange Mutual | $828 |
| 12 | Central Mutual | $866 |
| 13 | State Farm | $885 |
| 14 | Hastings Mutual | $893 |
| 15 | Atlantic States | $913 |
| 16 | Westfield | $946 |
| 17 | Auto-Owners | $968 |
| 18 | Western Reserve | $970 |
| 19 | Progressive | $991 |
| 20 | Farmers | $995 |
| Compare Rates Now Go | ||
Utica National may offer some of the cheapest car insurance rates in Cleveland at around $628 each year. Erie, Frankenmuth, Allied, and Travelers would also make the list of some of the more affordable Cleveland, OH car insurance companies.
As shown in the table above, if you currently have a policy with Allied and switched to Erie, you might realize savings of roughly $30. Ohio drivers with Travelers might save as much as $45 a year, and USAA customers might lower prices by $66 a year.
Understand that those policy rates are averages across all ages of drivers and types of vehicles and do not factor in an exact location for state employees. So the company that is best for you may not even be in the top 33 companies shown above. That is why you need to get car insurance quotes using your own specific driver and vehicle information.
Get discount Cleveland insurance
Insurance providers that offer coverage for state employees may also offer policy discounts that can reduce rates by 40% or more if you meet certain criteria. A few popular companies and their offered discounts are detailed below.
- State Farm includes discounts for student away at school, defensive driving training, good student, safe vehicle, and passive restraint.
- Progressive may include discounts for continuous coverage, multi-vehicle, homeowner, good student, multi-policy, online signing, and online quote discount.
- Travelers offers discounts including new car, payment discounts, IntelliDrive, good student, early quote, and multi-policy.
- American Family has discounts for Steer into Savings, defensive driver, good student, bundled insurance, and good driver.
- Liberty Mutual has savings for newly retired, exclusive group savings, hybrid vehicle, new graduate, new vehicle discount, and multi-policy.
The information below illustrates the comparison of yearly insurance costs with and without discounts applied to the premium. The price estimates are based on a male driver, no accidents or driving violations, Ohio state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with accident-free, multiple policy, passive restraint, multiple vehicle, claim-free, and defensive driving course discounts applied. When drivers take advantage of discounts, theamount saved on insurance for state employees is 27% or $323.
The diagram below highlights how deductible choice can raise or lower insurance premiums when researching cheap insurance for state employees. The prices are based on a married male driver, full coverage, and no discounts are factored in.
The data above shows that a 50-year-old driver could pocket $158 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $240 by choosing a $1,000 deductible. Young drivers, like the 20-year-old example, can save up to $528 every year just by choosing higher deductibles when buying full coverage.
When choosing a higher deductible, it will be necessary to have plenty of savings on hand to satisfy the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
If you aren’t clear which coverage you need and would like to have some advice when shopping for cheaper insurance for state employees, the professional agents shown below can help you determine which auto insurance policy would work best for you.
To locate a Cleveland auto insurance agent in your neighborhood, click the link at the bottom or click here to get price quotes now.
Rivera’s Insurance Agency, Inc.
3778 Pearl Rd – Cleveland, OH 44109 – (216) 661-7923
Cisar Insurance
30405 Solon Rd – Cleveland, OH 44139 – (440) 248-4450
Allstate Insurance: Michael Wrobel
17016 Lorain Ave – Cleveland, OH 44111 – (216) 812-5413
Oswald Wealth
1100 Superior Ave Suite 1345 – Cleveland, OH 44114 – (216) 367-8787
View more Cleveland, OH insurance agencies
How to find more affordable car insurance for state employees
Here are some penny-pinching solutions that can help you get more affordable coverage.
- Being accident-free can lower rates significantly
- If your vehicles are older, consider dropping full coverage
- Lower rates by purchasing a safer vehicle
- Just one traffic violation will increase your rates
- Buying your home and auto policies from the same company can earn a discount
- Pay less by remaining claim-free
- Compare rate quotes often
The last tip in the list is highly valuable, as was noted in this write-up. Prices charged by car insurance companies can change significantly in a year, so you should be ready to buy a policy from a new company if you can find a cheaper rate. Staying with the same company for years is fine, but it’s not recommended if it’s costing you a considerable chunk of change every month. If you have a few minutes, compare rates to find cheaper auto insurance for state employees in Cleveland.