Are you looking for a better way to compare cheaper insurance rates in Ogden, NY? Ogden drivers have many options when trying to find the best price on car insurance. You can either waste hours driving around to compare prices or utilize the internet to compare rates.

There is a better way to buy insurance and you need to know the absolute fastest way to quote coverages on a and obtain the cheapest rates from Ogden insurance agents and online providers.

Cheapest car insurance companies in Ogden

The companies shown below are ready to provide price quotes in New York. If you want to find the best cheap car insurance in New York, it's highly recommended you get price quotes from several of them to get the cheapest price.

Insurance Rates for Popular Vehicles in Ogden
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Regular Cab 2WD $694 $347 $58
Dodge Grand Caravan Crew $1,078 $539 $90
Dodge Ram Quad Cab SLT 2WD $1,142 $571 $95
Ford Escape XLS 4WD $770 $385 $64
Ford F-150 FX2 2WD $848 $424 $71
Ford Focus SE 4-Dr Sedan $774 $387 $65
Honda Accord LX-P 4-Dr Sedan $680 $340 $57
Honda CR-V EX 4WD $816 $408 $68
Honda Civic SI 2-Dr Coupe $1,230 $615 $103
Honda Odyssey EX W/Rear Entertainment $812 $406 $68
Hyundai Sonata Limited 4-Dr Sedan $942 $471 $79
Jeep Grand Cherokee Laredo 2WD $804 $402 $67
Nissan Altima 2.5 S 4-Dr Sedan $840 $420 $70
Toyota Camry SE $1,214 $607 $101
Toyota Corolla XRS $842 $421 $70
Toyota Prius $778 $389 $65
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in specific zip code location which can change price quotes noticeably.

Should you raise deductibles?

One of the more difficult decisions when buying auto insurance is how high should the deductibles for physical damage be. The tables below lay out the rate fluctuation between low and high coverage deductibles. The first data table uses a $100 physical damage deductible and the second set of prices uses a $500 deductible.

Ford Focus rates are for example purposes only. To get rates for your specific vehicle, click here.

Ford Focus insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $198 $412 $264 $16 $80 $995 $83
Focus SE 4-Dr Sedan $198 $412 $264 $16 $80 $995 $83
Focus SEL 4-Dr Sedan $198 $484 $264 $16 $80 $1,067 $89
Focus SES 4-Dr Sedan $198 $484 $264 $16 $80 $1,067 $89
Focus SE 2-Dr Coupe $228 $484 $300 $18 $90 $1,145 $95
Focus SES 2-Dr Coupe $228 $484 $300 $18 $90 $1,145 $95
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Ford Focus insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $144 $278 $264 $16 $80 $782 $65
Focus SE 4-Dr Sedan $144 $278 $264 $16 $80 $782 $65
Focus SEL 4-Dr Sedan $144 $328 $264 $16 $80 $832 $69
Focus SES 4-Dr Sedan $144 $328 $264 $16 $80 $832 $69
Focus SE 2-Dr Coupe $166 $328 $300 $18 $90 $902 $75
Focus SES 2-Dr Coupe $166 $328 $300 $18 $90 $902 $75
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Table data does not factor in Ogden location which can influence coverage rates substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs an average of $19 more each month or $228 for a full year than selecting the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at a minimum 21 months between claim filings, you would more than likely save some money going with the higher deductible.

Physical damage deductible comparison

The chart below illustrates how your choice of deductibles and can impact Honda Civic yearly insurance costs for each age group. The price estimates are based on a married male driver, comp and collision included, and no other discounts are factored in.

Honda Civic rates are for example purposes only. To get rates for your specific vehicle, click here.

Discounts to earn lower Ogden insurance rates

Companies offering auto insurance don't necessarily list every discount in an easy-to-find place, so we researched some of the best known and also the more inconspicuous discounts you could be receiving when you buy Ogden car insurance online.Discount insurance

We need to note that some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, you're out of luck. Any qualifying discounts should definitely cut the cost of your policy.

Companies and some of their more popular discounts can be read below.

If you are trying to find low cost Ogden car insurance quotes, ask every insurance company which discounts can lower your rates. Some credits may not apply to policies everywhere. If you would like to view companies that offer discounts in Ogden, click here to view.

Tailor your insurance coverage to you

When choosing a policy for your vehicles, there really is no "best" method to buy coverage. Your needs are unique to you and your policy should reflect that.Higher deductibles save money These are some specific questions might point out whether your personal situation could use an agent's help.

If you're not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

Shop around and save

A few companies may not offer online quoting and usually these smaller providers prefer to sell through independent agents. Cheaper auto insurance in Ogden is available from both online companies and also from your neighborhood Ogden agents, so you need to compare both so you have a total pricing picture.

While you're price shopping online, it's not a good idea to buy less coverage just to save a little money. Too many times, drivers have reduced comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find for the lowest price, but don't skip important coverages to save money.

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