Are you regretting buying an overpriced auto insurance policy? Trust us, many Cincinnati consumers are in the same pinch.
Surprisingly, a recent survey revealed that the vast majority of auto insurance customers renewed their policy with the same company for a minimum of four years, and roughly 40% of drivers have never compared rates to find affordable insurance. Ohio drivers can cut their rates by $700 a year, but most just don’t grasp how much they could save if they changed companies.
Consumers have many car insurance companies to purchase coverage from, and even though it’s nice to be able to choose, having more auto insurance companies makes it harder to find the lowest rates for Chrysler Town and Country insurance in Cincinnati.
It’s a good habit to take a look at other company’s rates yearly because auto insurance rates are usually higher with each renewal. If you had the best premium rates on Chrysler Town and Country insurance in Cincinnati at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the best way to reduce your cost while improving coverage.
Low cost Chrysler Town and Country insurance prices in Cincinnati
When shopping for low cost Cincinnati car insurance quotes, there are a couple of ways to compare quotes from all the different companies. One of the best ways to find the lowest Chrysler Town and Country rates consists of obtaining rate quotes online.
Getting quotes online is very simple and it makes it a waste of time to actually drive to insurance agencies in your area. The ability to buy insurance online makes this unnecessary unless you have a complicated situation and need the professional abilities only provided by licensed agents. Some companies do allow you to comparison shop online and have a local agent actually service the policy. Keep in mind that getting more free quotes helps improve the odds of finding a better price. Not every company provides online price quotes, so you should also compare price estimates from the smaller companies as well.
The companies shown below can provide free quotes in Ohio. If you want cheaper car insurance in Cincinnati, it’s a good idea that you get rates from several of them to get the most affordable price.
Car insurance protects more than just your car
Despite the fact that car insurance is not cheap in Cincinnati, maintaining insurance may be mandatory for several reasons.
First, almost all states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability insurance coverage if you don’t want to risk a ticket. 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 stipulate that you buy insurance to guarantee payment of the loan. If you do not keep the policy in force, the bank will be required to insure your Chrysler at an extremely high rate and force you to pay the higher price.
Third, insurance safeguards both your Chrysler and your assets. It will also reimburse you for all forms of medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, will also pay to defend you in the event you are sued. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of carrying adequate insurance outweigh the cost, particularly when you have a large claim. The average driver in Ohio is overpaying over $865 each year so compare rates at least once a year to be sure current rates are still competitive.
Statistics and details
The coverage information shown next outlines estimates of policy rates for Chrysler Town and Country models. Having a good understanding how auto insurance prices are figured can be of help when making decisions on the best policy to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Town and Country LX||$140||$226||$234||$14||$70||$684||$57|
|Town and Country Touring||$158||$274||$234||$14||$70||$750||$63|
|Town and Country Signature||$158||$274||$234||$14||$70||$750||$63|
|Town and Country Touring Plus||$158||$274||$234||$14||$70||$750||$63|
|Town and Country Limited||$176||$322||$234||$14||$70||$816||$68|
|Get Your Own Custom Quote Go|
Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Premium amounts do not factor in specific Cincinnati garaging location which can decrease or increase insurance rates greatly.
Drive responsibly or pay higher rates
The diagram below demonstrates how citations and at-fault claims can impact Chrysler Town and Country insurance costs for different age groups of insureds. The prices are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
Do you need full coverage?
The illustration below compares Chrysler Town and Country insurance costs with full coverage compared to only the Ohio minimum liability coverage. The rate quotes are based on no claims or driving violations, $500 deductibles, single status, and no policy discounts are applied.
Should you be buying full coverage?
There is no set rule for excluding physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s say your Chrysler Town and Country replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,000 after paying the physical damage deductible. If premiums are more than $600 a year for comprehensive and collision coverage, then you might consider buying liability only.
There are some situations where only buying liability is not a good idea. If you still owe money on your vehicle, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Get cheaper Chrysler Town and Country insurance rates in Cincinnati
Auto insurance companies don’t always list every possible discount in a way that’s easy to find, so the below list has some of the more common as well as the least known car insurance savings.
- Own a Home and Save – Owning your own home or condo can save a few bucks due to the fact that maintaining a home requires a higher level of personal finance.
- Senior Discount – Seniors may qualify for lower premium rates.
- Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and therefore earn up to a 10% discount.
- Telematics Discount – Cincinnati drivers who agree to allow driving data collection to spy on their driving habits by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they are good drivers.
- Active Service Discounts – Having a deployed family member may qualify for rate reductions.
- Multiple Cars – Buying coverage for multiple cars on one policy can get a discount for every vehicle.
- Discount for Multiple Policies – If you can bundle your home and auto insurance and insure them with the same company you could get a discount of nearly 15% which can help you find affordable Chrysler Town and Country insurance rates in Cincinnati.
- Club Memberships – Joining a civic or occupational organization in Cincinnati is a simple method to lower premiums on your next car insurance statement.
- Driver’s Ed – Have your child successfully take a driver’s education course in school or through a local driver safety program.
One last thing about discounts, some credits don’t apply to the entire cost. The majority will only reduce individual premiums such as medical payments or collision. Even though it may seem like you can get free auto insurance, companies don’t profit that way.
The information below visualizes the comparison of Chrysler Town and Country insurance prices with and without policy discounts. The information is based on a female driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, homeowner, marriage, multi-policy, and safe-driver discounts applied.
If you would like to see a list of insurance companies with the best Chrysler Town and Country insurance discounts in Cincinnati in Ohio, click this link.
Insurance quotes from neighborhood Cincinnati auto insurance agents
Many drivers prefer to talk to a local agent and doing so can bring peace of mind One of the great benefits of comparing insurance online is you can get cheap insurance rates and still have a local agent. And buying from local insurance agents is important especially in Cincinnati.
To find an agent, once you fill out this form (opens in new window), the quote information is instantly submitted to agents in your area that give free quotes for your insurance coverage. You don’t have to contact any agents as quotes are delivered directly to your email. You can find lower rates and a licensed agent to work with. If you have a need to compare rates from a particular provider, you can always navigate to their website and fill out their quote form.
Finding the right provider is decision based upon more than just the price. These are valid questions to ask:
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Which companies can they place coverage with?
- Do they prorate repair cost based on vehicle mileage?
- What insurance companies do they recommend if they are an independent agent?
- Can you use your own choice of collision repair facility?
- Which family members are covered?
- Does the agency support the community they serve?
- What is their Better Business Bureau rating?
Don’t assume everyone needs the same insurance coverage
When it comes to coverage for your personal vehicles, there really isn’t a one size fits all plan. Your financial needs are unique and a cookie cutter policy won’t apply.
Here are some questions about coverages that could help you determine if your situation could use an agent’s help.
- Does low annual mileage earn a discount?
- Should I buy additional glass protection?
- Am I covered if hit by an uninsured driver?
- I have good health insurance, so how much medical payments coverage do I need?
- If my Chrysler Town and Country is totaled, can I afford another vehicle?
- When should I have rental car coverage?
- What does roadside assistance cover?
If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.
The most affordable rates come from being thorough
Throughout this article, we presented many tips how you can lower your Chrysler Town and Country insurance premium rates in Cincinnati. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the most savings is with a smaller regional carrier. They may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.
Cheaper insurance in Cincinnati can be purchased both online in addition to local insurance agencies, so you should compare both in order to have the best chance of saving money. Some companies may not provide online rate quotes and these small insurance companies sell through independent agents.
How to buy cheaper Chrysler Town and Country insurance in Cincinnati
It takes a few minutes, but the best way to get more affordable Chrysler Town and Country insurance is to compare quotes annually from companies that sell auto insurance in Cincinnati. You can compare rates by following these steps.
Step 1: Try to learn a little about the different coverages in a policy and the steps you can take to keep rates down. Many policy risk factors that result in higher rates such as traffic violations and a not-so-good credit history can be eliminated by improving your driving habits or financial responsibility.
Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive and State Farm, while agents who are independent can quote prices for a wide range of companies. Start a quote
Step 3: Compare the quotes to your existing coverage and see if there is a cheaper rate. If you find a better price and make a switch, verify that coverage does not lapse between policies.
Step 4: Give notification to your agent or company to cancel your current coverage and submit the application along with any required down payment to the new insurer. Once the paperwork is finalized, safely store the certificate verifying coverage above your visor, in the console, or in the glove compartment.
A good tip to remember is that you’ll want to compare the same physical damage deductibles and liability limits on every quote request and to quote with as many different insurance providers as possible. Doing this ensures a fair price comparison and a complete selection of prices.
Even more information can be found in these articles:
- Distracted Driving Extends Beyond Texting (State Farm)
- Who Has Cheap Cincinnati Auto Insurance Quotes for a School Permit? (FAQ)
- How Much are Cincinnati Car Insurance Rates for Business Use? (FAQ)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Information for Teen Drivers (GEICO)