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.
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 Rates
- Amboy, OH Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Amboy, OH
- Multi Vehicle Insurance Savings in Amboy, OH
- How Credit Score Affects Car Insurance Rates in Amboy, OH
- How DUI Affects Auto Insurance Premiums in Amboy, OH
- How Driving Violations Affect Auto Insurance Rates in Amboy, OH
- Amboy, OH Auto Insurance Discounts on Anti Theft Feature
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 |