Are you burned out from wondering where the money will come from to pay your insurance bill each month? You are in the same boat as many other vehicle owners in Ohio.
A study showed that the vast majority of insurance customers in Ohio kept their policy with the same company for well over three years, and 38% of customers have never quoted rates to find affordable coverage. The average driver in the U.S. can cut their rates by up to $860 a year by just shopping around, but most undervalue the actual amount they would save if they swap their current policy for a cheaper one. Because you have many choices for buying cheap insurance for a Chevy Captiva Sport in Cleveland, it’s nearly impossible to choose the most cost effective company.
Quoting and comparing rates for affordable insurance coverage in Cleveland is not as difficult as people think. If you already have coverage or want to find a cheaper company, you can follow these tips to reduce the price you pay and still have adequate protection. Smart buyers just need to use the quickest method to compare rate quotes from many different companies.
Quote Cleveland Chevy Captiva Sport insurance online
Finding a lower price on Chevy Captiva Sport insurance is not a difficult process. The only requirement is to take the time comparing price quotes to find the company with cheaper Cleveland auto insurance quotes.
Comparison shopping rate quotes online is easy and it takes the place of having to spend time driving to all the different Cleveland insurance agencies. Doing it all online has made agencies unnecessary unless you have a complicated situation and need the advice and guidance that can only be provided by a licensed insurance agent. You can, however, comparison shop online and have a local agent actually service the policy.
The providers in the list below provide quotes in Ohio. If your goal is to find cheap auto insurance in Cleveland, we recommend you compare several of them to find the most competitive auto insurance rates.
Verify you’re getting every discount
Auto insurance is not inexpensive, but you may be missing some discounts that you may not know about. Certain credits will be shown when you quote, but lesser-known reductions have to be manually applied before you get the savings.
- Discount for Passive Restraints – Factory air bags or motorized seat belts can get savings of 20% or more.
- Multiple Vehicles – Buying a policy with multiple vehicles with the same auto insurance company may reduce the rate for each vehicle.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase auto and life insurance together.
- New Car Discount – Buying a new car model can get you a discount because newer vehicles are generally safer.
- Lower Rates for Military – Being on active duty in the military can result in better prices.
- Student Discount for Driver Training – Teen drivers should enroll in driver’s education as it will make them better drivers and lower rates.
Just know that some credits don’t apply to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you aren’t that lucky.
If you would like to see a list of providers that offer the discounts shown above in Cleveland, click here.
Exclusive versus independent insurance agencies
Certain consumers would rather get professional advice from a licensed agent and doing that can be a smart decision Experienced insurance agents can help you build your policy and help you file claims. One of the great benefits of comparing insurance online is you may find cheap insurance rates but still work with a licensed agent. Buying insurance from neighborhood agents is definitely important in Cleveland.
After completing this simple form, the coverage information is instantly submitted to local insurance agents who will return price quotes for your business. You won’t even need to contact any insurance agencies since rate quotes are delivered to you directly. If you want to compare rates from a particular provider, just visit that company’s website and complete a quote there.
If you need to find a reliable insurance agent, it can be helpful to understand the different types of agencies and how they differ in how they can insure your vehicles. Insurance agencies in Cleveland are classified as either exclusive or independent (non-exclusive). Both types can do a good job, but it’s important to know the difference between them since it could factor into which agent you choose.
Independent Insurance Agents
These agents can sell policies from many different companies and that allows them to write policies with multiple insurance companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier and you won’t have to switch agencies.
If you are comparing rate quotes, we highly recommend that you get quotes from independent agents to get the most accurate price comparison.
The following are independent agencies in Cleveland who may provide price quotes.
Machor Sage Insurance Agency
7379 Pearl Rd # 5 – Cleveland, OH 44130 – (440) 826-0404 – View Map
Nationwide Insurance: James F Greer Jr
16700 Chagrin Blvd – Cleveland, OH 44120 – (216) 752-7100 – View Map
Independent Insurance Agency of Ohio
2310 Superior Ave #215 – Cleveland, OH 44114 – (216) 472-8000 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents write business for a single company and examples are Farmers Insurance, State Farm, or Allstate. They usually cannot compare other company’s rates so they are skilled at selling on more than just price. These agents are well schooled on their company’s products and that enables them to sell even at higher rates.
Below are exclusive agencies in Cleveland willing to provide comparison quotes.
Robert Jones – State Farm Insurance Agent
12405 Larchmere Blvd – Cleveland, OH 44120 – (216) 229-3276 – View Map
Allstate Insurance: Nanci Cieckiewicz
4719 State Rd – Cleveland, OH 44109 – (216) 739-0990 – View Map
Allstate Insurance: Teresa C. Paez
15105 Puritas Ave – Cleveland, OH 44135 – (216) 362-6526 – View Map
Finding the right car insurance agent requires you to look at more than just a cheap quote. Ask your prospective agent these questions:
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are they primarily personal or commercial lines agents in Cleveland?
- Which insurance companies are they affiliated with?
- Do they have designations such as AIC, CPCU, or CIC?
- How will an accident affect your rates?
How Your Captiva Sport Insurance Costs are Determined
Multiple criteria are part of the calculation when you get a price on insurance. Most are fairly basic like an MVR report, but other criteria are more transparent such as your credit history or your vehicle rating.
Driving citations cost more than a fine – Being a careful driver can have a huge impact on auto insurance premiums. Having a single ticket can boost insurance rates by twenty percent. Attentive drivers have lower premiums compared to bad drivers. People who have careless violations such as reckless driving or DUI may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to legally drive a vehicle.
Discounts for alarms and GPS tracking – Owning a car with a theft deterrent system can help lower your rates. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms all help stop your car from being stolen.
Cheaper rates by consolidating – Most larger companies provide a discount to buyers who consolidate policies with them such as combining an auto and homeowners policy. Even if you’re getting this discount consumers should still compare Chevy Captiva Sport rates in Cleveland to ensure the best deal. It’s possible to still save even more than the discount by splitting coverages up.
Don’t cancel your insurance without a new one in place – Driving any period of time without insurance is not a good idea and as a result your rates will increase for letting your insurance coverage expire. Not only will you pay more, the inability to provide proof of insurance could earn you a revoked license or a big fine. You may then be required to provide proof of insurance in the form of an SR-22 filing with the Ohio motor vehicle department.
Chevy Captiva Sport insurance loss data – Auto insurance companies analyze historical claim data to help calculate a profitable premium rate. Models that statistically have a trend towards higher claims will have increased rates.
The table below outlines the historical loss data for Chevy Captiva Sport vehicles. For each type of coverage, the claim amount for all vehicles, as a total average, is set at 100. Numbers that are below 100 indicate a favorable loss history, while numbers shown that are more than 100 point to more losses or tendency to have higher losses.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Chevrolet Captiva Sport 4dr 2WD | 89 | 95 | 88 | 123 | 115 | 105 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Auto insurance is not optional in Ohio
Despite the high cost of buying insurance for a Chevy Captiva Sport in Cleveland, buying auto insurance is required by state law in Ohio and it also provides benefits you may not be aware of.
First, most states have minimum liability requirements which means you are required to carry a specific level of liability insurance coverage in order to get the vehicle licensed. 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 have a loan on your car, it’s guaranteed your bank will require you to have physical damage coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Chevy at a much higher rate and require you to pay for the expensive policy.
Third, insurance protects both your assets and your vehicle. It will also cover most medical and hospital costs for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit in the event you are sued. If your car is damaged in a storm or accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance are without a doubt worth the cost, particularly for liability claims. But the average American driver is wasting up to $810 a year so you should quote and compare rates at every policy renewal to make sure the price is not too high.
What is the best car insurance company in Cleveland?
Choosing the right insurance provider can be challenging considering how many companies provide coverage in Ohio. The rank data listed below can help you select which car insurance providers to look at when shopping around.
Top 10 Cleveland Car Insurance Companies 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 Cleveland Car Insurance Companies Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- AAA Insurance
- GEICO
- Safeco Insurance
- Mercury Insurance
- Esurance
Cheap auto insurance premiums are possible
You just learned many ways to find lower-cost Chevy Captiva Sport insurance in Cleveland. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Drivers may even discover the most savings is with a lesser-known regional company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as GEICO and State Farm.
When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at an affordable rate, not the least amount of coverage.
Steps to saving money on Chevy Captiva Sport insurance in Cleveland
If you want to find the absolute lowest rates, then the best way to get budget Chevy Captiva Sport insurance is to regularly compare quotes from insurance carriers who provide car insurance in Cleveland.
- First, it will benefit you to learn about how companies set rates and the factors you can control to prevent high rates. Many policy risk factors that cause rate increases like careless driving and an imperfect credit rating can be improved by making minor driving habit or lifestyle changes.
- Second, obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO and State Farm, while independent agents can provide rate quotes from multiple companies.
- Third, compare the quotes to the price on your current policy and see if you can save money. If you find better rates and decide to switch, ensure there is no coverage lapse between policies.
One key aspect of rate comparisons is to try to compare similar limits and deductibles on every price quote and and to get rate quotes from as many different companies as possible. Doing this helps ensure a fair price comparison and many rates to choose from.
To read more, link through to the articles below:
- Keeping Children Safe in Crashes Video (iihs.org)
- What Car Insurance is Cheapest for a Honda Accord in Cleveland? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Seniors in Cleveland? (FAQ)
- What Auto Insurance is Cheapest for Young Drivers in Cleveland? (FAQ)
- Things to Know Before you Cancel Insurance (Allstate)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Insuring a Leased Car (Insurance Information Institute)