It takes a few minutes, but the best way to find more affordable Chevy Traverse insurance in Cincinnati is to annually compare prices from providers who provide car insurance in Ohio.
- Step 1: Take a little time to learn about policy coverages and the modifications you can make to prevent rate increases. Many risk factors that increase rates like multiple speeding tickets and a bad credit score can be remedied by being financially responsible and driving safely.
- Step 2: Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO or Allstate, while agents who are independent can quote prices for a wide range of companies.
- Step 3: Compare the quotes to your existing coverage and see if there is a cheaper rate in Cincinnati. If you can save money and buy the policy, make sure coverage does not lapse between policies.
- Step 4: Provide proper notification to your current company of your intention to cancel your current auto insurance policy and submit a completed policy application and payment to the new company. Make sure you safely store the certificate verifying coverage with your registration paperwork.
One thing to remember is to try to compare similar deductibles and liability limits on every quote request and and to get price quotes from as many auto insurance providers as possible. This ensures a level playing field and the best price selection.
A recent car insurance study revealed that a large majority of car insurance policyholders renewed their policy with the same company for four years or more, and 38% of drivers have never taken the time to shop around. Many consumers in Ohio could save up to 55% every year by just comparing quotes, but they feel it’s too difficult to find cheaper car insurance rates.
If you have a policy now, you stand a good chance to be able to save money using these techniques. Our goal in writing this article introduce you to how to compare rates easily and how to save the most money. Although Ohio car owners must learn how insurance companies charge you for coverage and use it to find better rates.
When shopping for Chevy Traverse insurance in Cincinnati there are multiple ways to get quotes from many available auto insurance companies in Ohio. The simplest method to find affordable Chevy Traverse insurance rates involves getting comparison quotes online. When quoting auto insurance, remember that comparing a wide range of rates provides better odds of finding a better price. Some companies don’t provide Cincinnati Traverse insurance quotes over the internet, so it’s recommended that you also compare price quotes from them, too.
The companies in the list below can provide comparison quotes in Ohio. To locate the best car insurance in Cincinnati, we recommend you click on several of them to get a more complete price comparison.
Rates and detailed analysis
The rate table displayed next covers a range of insurance rates for Chevy Traverse models. Having a good grasp of how auto insurance prices are formulated can aid in making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Traverse LS 2WD | $170 | $238 | $196 | $12 | $58 | $674 | $56 |
| Traverse LS AWD | $192 | $238 | $196 | $12 | $58 | $696 | $58 |
| Traverse LT 2WD | $192 | $238 | $196 | $12 | $58 | $696 | $58 |
| Traverse LT AWD | $192 | $290 | $196 | $12 | $58 | $748 | $62 |
| Traverse LTZ 2WD | $192 | $290 | $196 | $12 | $58 | $748 | $62 |
| Traverse LTZ AWD | $192 | $290 | $196 | $12 | $58 | $748 | $62 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Price information does not factor in zip code location which can increase or decrease auto insurance rates considerably.
Where to set your deductibles
One frequently asked question is where should you set your physical damage deductibles. The rates below outline the differences in premium rates of buying low and high comp and collision deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Traverse LS 2WD | $176 | $242 | $192 | $12 | $58 | $705 | $59 |
| Traverse LS AWD | $198 | $242 | $192 | $12 | $58 | $727 | $61 |
| Traverse LT 2WD | $198 | $242 | $192 | $12 | $58 | $727 | $61 |
| Traverse LT AWD | $198 | $296 | $192 | $12 | $58 | $781 | $65 |
| Traverse LTZ 2WD | $198 | $296 | $192 | $12 | $58 | $781 | $65 |
| Traverse LTZ AWD | $198 | $296 | $192 | $12 | $58 | $781 | $65 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Traverse LS 2WD | $142 | $196 | $192 | $12 | $58 | $600 | $50 |
| Traverse LS AWD | $160 | $196 | $192 | $12 | $58 | $618 | $52 |
| Traverse LT 2WD | $160 | $196 | $192 | $12 | $58 | $618 | $52 |
| Traverse LT AWD | $160 | $238 | $192 | $12 | $58 | $660 | $55 |
| Traverse LTZ 2WD | $160 | $238 | $192 | $12 | $58 | $660 | $55 |
| Traverse LTZ AWD | $160 | $238 | $192 | $12 | $58 | $660 | $55 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium amounts do not factor in specific location information which can revise prices greatly.
Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $10 more each month or $120 annually than requesting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 25 months between claim filings, you would save more money if you choose a higher deductible.
How to decide to raise your deductibles
| Average monthly premium for $250 deductibles: | $63 |
| Average monthly premium for $500 deductibles (subtract): | – $53 |
| Monthly savings from raising deductible: | $10 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $10 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
One thing to be aware of is that raising deductibles to save money results in having to pay to pay more out-of-pocket when you file a claim. You need to have enough disposable savings in the event you have to pay more for the deductible.
The illustration below shows how choosing a deductible and can change Chevy Traverse insurance premiums for each age group. The price estimates are based on a married male driver, comp and collision included, and no discounts are taken into consideration.
Car insurance quotes from local Cincinnati insurance agencies
Some consumers prefer to sit down and talk to an agent and often times that is recommended The best thing about getting online price quotes is that you can obtain better rates but also keep your business local.
After filling out this simple form, your information is immediately sent to companies in Cincinnati that provide free Cincinnati auto insurance quotes for your coverage. You never need to find an agent on your own because prices are sent to you directly. You’ll get the best rates and a licensed agent to talk to. If you want to compare prices from a specific company, feel free to go to their quote page and fill out their quote form.
Finding the right company needs to be determined by more than just a cheap price. The answers to these questions are important, too.
- Can they provide you with a list of referrals?
- Do they offer claims assistance after hours?
- Which insurance companies are they affiliated with?
- Do they get paid more for recommending certain coverages?
- Are claim adjusters local or do you have to take your car somewhere else?
When looking for a local Cincinnati insurance agency, you should know the different agency structures that you can select. Car insurance agents can be classified as either exclusive or independent.
Exclusive Car Insurance Agencies
Agents that choose to be exclusive have only one company to place business with and examples are American Family, State Farm, and Allstate. Exclusive agencies are unable to place coverage with different providers so they are skilled at selling on more than just price. Exclusive insurance agents are very knowledgeable on the products they sell which helps offset the inability to provide other markets. Consumers frequently use the same exclusive agent primarily because of the brand and the convenience of having a single billing for all their coverages.
Below are exclusive agents in Cincinnati that are able to give rate quotes.
- Nancy Hughett – State Farm Insurance Agent
2306 W Galbraith Rd – Cincinnati, OH 45239 – (513) 522-9343 – View Map - Mark Redmond – State Farm Insurance Agent
7225 Colerain Ave Ste 202 – Cincinnati, OH 45239 – (513) 221-7836 – View Map - Connor Smith – State Farm Insurance Agent
9620 Colerain Ave #25 – Cincinnati, OH 45251 – (513) 385-3385 – View Map
Independent Agents (or Brokers)
These type of agents can quote rates with many companies so as a result can place your coverage through lots of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house which makes it simple for you. When searching for an agent, you will definitely want to check rates from multiple independent agents to have the best price comparison. Many independent agencies also insure through smaller regional carriers who may have lower rates.
Shown below is a list of independent insurance agents in Cincinnati who can help you get price quote information.
- Henry Insurance Agency LLC
2757 Observatory Ave #22 – Cincinnati, OH 45208 – (513) 871-7700 – View Map - Kent Insurance Inc
7520 Montgomery Rd # 2 – Cincinnati, OH 45236 – (513) 791-6060 – View Map - Zimmer Insurance Agency
2148 Gilbert Ave – Cincinnati, OH 45206 – (513) 381-1919 – View Map