Amboy Auto Insurance Rates, Quotes, Agents & Reviews in OH

Amboy, OH Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Amboy, OH, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Low Cost Car Insurance in Amboy, OH

The average cost of car insurance in Amboy, OH, is $1,048. Like any other state, having the correct car insurance is mandatory. In order to select the policy that best suits your needs, you must compare the insurance prices and terms available from car insurance companies in your area.

Car insurance policies can vary widely. Therefore, it is important to take the time to compare your options to get the most reasonable price available on auto insurance in Amboy, OH. 

a. Credit History

Credit-based insurance scores are based on the data on your credit reports, including past payment records and outstanding debt. Insurance companies use this information to calculate your insurance premiums. Car drivers with low credit scores tend to file more claims when compared to car drivers with high credit scores. For instance, car owners with exceptional credit scores have to pay $899, whereas car owners with poor credit scores have to pay $1,709 in Amboy, OH. Therefore, car owners must maintain decent credit scores to obtain discounts on auto insurance rates in Amboy, OH. Hence, the higher the credit score, the lower the auto insurance in Amboy, OH.


b. Age of the driver

The age of the driver plays a significant role in determining the car insurance rates in Amboy, OH. Auto insurance rates for young or teen drivers are high as they are the riskiest to insure. Car drivers aged 30 or 40 are more experienced and responsible while driving. Therefore, insurance companies charge low auto insurance. For example, teenagers pay $3,401 on auto insurance in Amboy, OH, whereas old drivers aged 40 years pay $998 on auto insurance in Amboy, OH. 

c. Driving Habits

Your driving record is one of the most important factors determining your car insurance rates in Amboy, OH. Insurance companies levy higher rates to auto drivers who have a history of traffic offenses and other driving-related violations because they present a greater risk to insurers. Your risk level determines the insurance premiums you pay for coverage. For example, car drivers running a red light or driving with an expired license must pay +$244 and +$706 extra on the total cost of car insurance in Amboy, OH.

Factors that can influence the cost of car insurance in Amboy, OH are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Amboy, OH Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Amboy, OH with that of other cities in and around Amboy.

Amboy Royalton Fulton Berkey Harding Riga
Average Insurance Rates $1,048 $1,073 $1,059 $1,077 $1,103 $2,723

Amboy, OH Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Amboy, OH based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Amboy $1,046 $884
Metamora $1,073 $907
Berkey $1,324 $1,118
Fulton $1,516 $1,281
Ogden $1,505 $1,271
Royalton $938 $793
Harding $1,179 $996
Riga $1,399 $1,181

Amboy, OH Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Amboy, OH usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,401
20 Years $1,347
30 Years $1,037
40 Years $998
50 Years $924
60 Years $937
70 Years $1,091

Amboy, OH Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Amboy, OH can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,844 $252
3 Vehicles $2,767 $377
4 Vehicles $3,689 $503

Savings on 2 Vehicles bundle:$252

Savings on 3 Vehicles bundle:$377

Savings on 4 Vehicles bundle:$503

Amboy, OH Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Amboy, OH.

Location Average Insurance Cost Post DUI Insurance Rate
Amboy $1,048 $1,696
Metamora $1,042 $1,686
Berkey $1,077 $1,743
Fulton $1,059 $1,714
Ogden $2,693 $6,709
Royalton $1,073 $1,737
Harding $1,103 $1,785
Riga $2,723 $6,784

Amboy, OH Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $899
Excellent (740-799) $1,026
Good (670-739) $1,092
Average (580-669) $1,425
Poor (300-579) $1,709

Amboy, OH Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$46 $1,094
Driver's Failure In Showing Documents +$102 $1,150
Driving With An Expired Registration +$108 $1,156
Driving At A Considerably Slow Pace +$227 $1,275
Using A Cellphone While Driving +$240 $1,288
Running A Red Light +$244 $1,292
Speeding +$257 $1,305
Driving A Vehicle Without The Required Permission +$326 $1,374
Driving With An Expired/Suspended License +$706 $1,754

Amboy, OH Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,006
Active Disabling Device $1,006
Tracking Device $985
Passive Disabling Device $975