It’s hard to believe, but a large majority of auto insurance policyholders in Ohio renewed their policy with the same company for a minimum of four years, and approximately 38% of consumers have never compared quotes from other companies. With the average premium in the United States being $1,847, drivers could save an average of $860 each year just by shopping around, but most undervalue how much savings they would realize if they switch to a new company.
If you want to save the most money, the best way to get discount Volkswagen Atlas insurance is to make a habit of regularly comparing prices from providers who sell insurance in Cincinnati. You can compare prices by completing these steps.
- First, it will benefit you to learn about how companies price auto insurance and the factors you can control to keep rates in check. Many rating criteria that are responsible for high rates like traffic citations, accidents, and a low credit rating can be improved by being financially responsible and driving safely.
- Second, get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes for many different companies. View prices
- Third, compare the new quotes to your existing rates to see if a cheaper price is available in Cincinnati. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, provide adequate notice to your current company of your intention to cancel your current coverage. Submit a down payment along with a signed application to your new carrier. Once the paperwork is finalized, safely store the certificate of insurance in your vehicle.
A good tip to remember is that you’ll want to compare identical limits and deductibles on every quote and to quote with every insurance company. This guarantees an apples-to-apples comparison and many rates to choose from.
Cheap Volkswagen insurance price quotes in Cincinnati
The providers in the list below can provide price quotes in Cincinnati, OH. To get cheaper car insurance in Cincinnati, we suggest you compare several of them in order to find the most affordable rates.
Cheaper Volkswagen Atlas insurance rates in Cincinnati
Companies don’t list every possible discount in a way that’s easy to find, so the next list breaks down both the well known in addition to some of the lesser obvious credits that may apply to you.
- Employee of Federal Government – Employees or retirees of the government may qualify for a discount when you quote Cincinnati auto insurance depending on your auto insurance provider.
- Discounts for Cautious Drivers – Drivers who don’t get into accidents may receive a discount up to 45% than drivers with accident claims.
- Pay Early and Save – If you can afford to pay the entire bill rather than spreading payments over time you can avoid monthly service charges.
- Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase life insurance.
- Sign Early and Save – Some larger companies give discounts for renewing your policy prior to your current Atlas insurance policy expiring. Ten percent is about the average savings.
- Good Student – Excelling in school may save as much as 25% on a Cincinnati auto insurance quote. Most companies allow this discount up to age 25.
- Telematics Data Discounts – Drivers who elect to allow their insurance company to monitor their driving habits by installing a telematics device like Allstate’s Drivewise could save a few bucks as long as they are good drivers.
- Active Service Discounts – Being deployed with a military unit may qualify for rate reductions.
- Theft Deterrent Discount – Vehicles that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your Cincinnati auto insurance quote.
You can save money using discounts, but most discounts do not apply to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, nobody gets a free ride.
Some companies that may offer quotes with these money-saving discounts include:
If you want low cost Cincinnati auto insurance quotes, ask each insurance company the best way to save money. Savings might not be offered on policies in Cincinnati. For a list of insurance companies that offer many of these discounts in Cincinnati, click here.
When to talk to an insurance agency
Some people still like to buy from a local agent and that can be a smart move Insurance agents can point out coverage gaps and give you someone to call. A good thing about comparing rates online is the fact that drivers can get better rates and also buy local.
By using this form (opens in new window), the coverage information is submitted to local insurance agents who want to provide quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to even leave your home due to the fact that quote results will go to you instantly. In the event you want to get a rate quote from one company in particular, just navigate to their website and fill out the quote form the provide.
Finding a good insurer should depend on more than just a cheap price quote. You should also get answers to these questions.
- Is the coverage adequate for your vehicle?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- What companies can they write with?
- Do they carry Errors and Omissions coverage?
- Is every driver in your family covered?
- Will a damage claim use OEM or aftermarket replacement parts?
- How much can you save by raising your physical damage deductibles?
- How often do they review coverages?
Choose an insurance agent wisely
If you need to find a local Cincinnati insurance agent, there are a couple of types of insurance agents and how they can write your policy. Agents in Cincinnati can be described as either independent or exclusive. Either one can sell and service insurance coverage, but it’s important to know the differences since it could factor into the type of agent you choose.
Exclusive Insurance Agencies
Exclusive agents normally can only provide a single company’s rates like Allstate, State Farm and Farm Bureau. Exclusive agents cannot compare other company’s rates so they really need to provide good service. Exclusive insurance agents receive a lot of sales training on sales techniques which helps them sell insurance even at higher premiums.
Shown below is a short list of exclusive agencies in Cincinnati who may provide you with price quote information.
Independent Insurance Agents
Agents in the independent channel can quote rates with many companies so they can quote policies through lots of different companies and find the cheapest rate. If you are not satisfied with one company, your agent can switch companies and you stay with the same agent.
If you are comparing insurance prices, you definitely need to check rates from several independent agencies to ensure the widest selection of prices.
Shown below are Cincinnati independent insurance agencies willing to provide price quotes.
Having a good grasp of auto insurance can be of help when determining the right coverages for your vehicles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages available from auto insurance companies.
Comprehensive auto coverage
Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like rock chips in glass, hail damage and a tree branch falling on your vehicle. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Liability auto insurance
Liability insurance can cover damages or injuries you inflict on other people or property. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.
Liability can pay for things such as court costs, medical expenses, medical services, attorney fees and pain and suffering. How much coverage you buy is your choice, but you should buy as high a limit as you can afford. Ohio requires drivers to carry at least 25/50/25 but drivers should carry better liability coverage.
The next chart shows why buying the state minimum limits may not be high enough to adequately cover claims.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Volkswagen Atlas.
Because many people carry very low liability coverage limits (25/50/25), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.
Medical payments and PIP coverage
Med pay and PIP coverage pay for expenses such as hospital visits, ambulance fees, chiropractic care and doctor visits. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
This will pay to fix damage to your Atlas resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers things such as driving through your garage door, colliding with another moving vehicle, sideswiping another vehicle, rolling your car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible on your Atlas in order to get cheaper collision rates.
Quote more to save more
Cost effective Volkswagen Atlas insurance can be found both online and also from your neighborhood Cincinnati agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers may not have the ability to get quotes online and usually these smaller providers prefer to sell through local independent agencies.
We’ve covered many ways to get a better price on Volkswagen Atlas insurance in Cincinnati. The most important thing to understand is the more times you quote, the better your chances of lowering your premium rates. You may even find the lowest car insurance rates are with some of the lesser-known companies. They may have significantly lower premium rates on certain market segments than their larger competitors like State Farm, GEICO and Nationwide.
Additional insurance information can be read on the following sites:
- Things to Know Before you Cancel Insurance (Allstate)
- Who Has Affordable Cincinnati Auto Insurance for a Nissan Altima? (FAQ)
- How Much is Cincinnati Auto Insurance for a 20 Year Old Female? (FAQ)
- Who Has Affordable Auto Insurance for Drivers with a Bad Driving Record in Cincinnati? (FAQ)
- Who Has Cheap Cincinnati Car Insurance for a Hyundai Elantra? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Honda Civic in Cincinnati? (FAQ)
- Who Has Cheap Car Insurance for a Ford Escape in Cincinnati? (FAQ)
- Who Has Cheap Cincinnati Auto Insurance for First-time Drivers? (FAQ)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)