How to Save on Cincinnati Chevy Equinox Insurance

Insurance for Chevy EquinoxThe best way to get the cheapest Chevy Equinox insurance in Cincinnati is to make a habit of comparing prices annually from providers who sell insurance in Ohio. Rates can be compared by completing these steps.

First, try to comprehend how insurance companies determine prices and the changes you can make to keep rates low. Many things that drive up the price like accidents, traffic tickets, and poor credit history can be amended by making lifestyle changes or driving safer.

Second, request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive and State Farm, while independent agents can provide price quotes from many different companies.

Third, compare the quotes to your current policy premium to see if switching to a new carrier will save money. If you find a lower rate and switch companies, make sure there is no coverage gap between policies.

The most important part of this process is that you’ll want to make sure you compare the same level of coverage on each quote and and to get price quotes from as many carriers as you can. Doing this guarantees the most accurate price comparison and a complete price analysis.

Smart shoppers know that car insurance companies want to keep you from comparing rates. Consumers who shop around for better prices will presumably switch insurance companies because they stand a good chance of finding good coverage at a lower price. A recent insurance study revealed that consumers who made a habit of comparing rate quotes saved an average of $865 annually compared to drivers who never compared prices.

If finding the most affordable insurance in Cincinnati is your objective, then understanding how to compare insurance premiums can help you succeed in saving money.

Lower-cost Cincinnati auto insurance quotes with discounts

Auto insurance can be pricey, but you may be missing some discounts to help bring down the price. A few discounts will automatically apply when you quote, but some must be specifically requested before being credited.Save money with discounts

A little disclaimer on discounts, some of the credits will not apply to your bottom line cost. Some only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way.

The diagram below shows the difference between Chevy Equinox insurance prices with and without discounts applied. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Ohio state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, multi-policy, homeowner, and claim-free discounts applied.

Larger auto insurance companies and their possible discounts are outlined below.

When comparing rates, check with each company how many discounts you can get. Savings might not be offered on policies in Cincinnati. If you would like to view providers that offer many of these discounts in Ohio, click here to view.

The majority of larger companies allow consumers to get insurance quotes online. Comparing Chevy Equinox insurance rates online doesn’t take much effort because it’s just a matter of typing in your coverage preferences into the quote form. When the form is submitted, the company’s rating system pulls reports for credit and driving violations and returns pricing information. Using the web to get rates for Chevy Equinox insurance in Cincinnati makes comparing rates easy, and it’s absolutely necessary to get many rate quotes if you want to find the most affordable premium on insurance.

To quickly find out if lower rates are available, compare quotes from the companies shown below. If you have your current policy handy, we recommend you complete the form with your coverages identical to your current policy. This helps ensure you will receive rate quotes using the exact same coverages.

The providers in the list below provide quotes in Cincinnati, OH. In order to find the best car insurance in OH, it’s highly recommended you compare several of them to get a more complete price comparison.

Rates and data analysis

The coverage table displayed next highlights different policy rates for Chevy Equinox models. Learning how insurance rates are formulated helps drivers make decisions on which insurance to purchase.

Chevrolet Equinox Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Equinox LS 2WD $136 $270 $296 $18 $88 $808 $67
Equinox LT 2WD $136 $270 $296 $18 $88 $808 $67
Equinox LS AWD $136 $270 $296 $18 $88 $808 $67
Equinox LT AWD $136 $270 $296 $18 $88 $808 $67
Equinox LTZ 2WD $154 $318 $296 $18 $88 $874 $73
Equinox LTZ AWD $154 $318 $296 $18 $88 $874 $73
Equinox LTZ AWD $154 $318 $296 $18 $88 $874 $73
Get Your Own Custom Quote Go

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Prices do not factor in the specific area where the vehicle is garaged which can influence prices considerably.

You may want advice from an insurance agency

A lot of people would prefer to talk to an insurance agent and that is OK! One of the benefits of price shopping on the web is the fact that drivers can get cheap rate quotes but also keep your business local.

By using this simple form, your information is sent to companies in Cincinnati that provide free Cincinnati auto insurance quotes for your insurance coverage. It makes it easy because there is no need to find an agent on your own because quoted prices will be sent immediately to your email address. It’s the lowest rates AND a local agent. If for some reason you want to get a price quote from a particular provider, don’t hesitate to jump over to their website to submit a rate quote request.

Finding a good company shouldn’t rely on just a cheap price. These are valid questions to ask:

Types of auto insurance agents

When narrowing the list to find a local insurance agency, there are a couple of different types of agents and how they function. Insurance agencies are considered either exclusive agents or independent agents.

Exclusive Agencies

Agents of this type have only one company to place business with like Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive agencies receive a lot of sales training on the products they sell and that can be a competitive advantage.

The following are Cincinnati exclusive agents that can give you comparison quotes.

4734 Vine StCincinnati, OH 45217(513) 242-2777View Map

3011 W Galbraith RoadCincinnati, OH 45239(513) 931-9292View Map

882 Ohio PikeCincinnati, OH 45245(513) 752-2144View Map

More insurance agents

Independent Insurance Agents

Independent agencies do not work for one specific company so as a result can place your coverage with multiple insurance companies and help determine which has the cheapest rates. To move your coverage to a new company, the agent simply finds a different carrier and you can keep the same agent.

When comparing insurance rates, we recommend you get rate quotes from several independent insurance agents to maximize your price options.

Shown below are independent insurance agencies in Cincinnati that are able to give comparison quotes.

4291 Foley RdCincinnati, OH 45238(513) 244-2500View Map

4739 Delhi AveCincinnati, OH 45238(513) 922-9460View Map

7750 Montgomery RdCincinnati, OH 45236(513) 891-6615View Map

More insurance agents

How to find a good Ohio auto insurance company

Selecting the top car insurance company is hard considering how many choices drivers have in Ohio. The company information shown below may help you select which auto insurers to look at when shopping around.

Top 10 Cincinnati Car Insurance Companies Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. Erie Insurance
  5. State Farm
  6. Liberty Mutual
  7. Safeco Insurance
  8. Allstate
  9. 21st Century
  10. Travelers

Top 10 Cincinnati Car Insurance Companies Ranked by Claims Service

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. GEICO
  7. AAA Insurance
  8. Safeco Insurance
  9. Esurance
  10. The General

Cheaper insurance premiums are out there

More affordable insurance in Cincinnati can be bought on the web and from local insurance agents, so you need to quote Cincinnati auto insurance with both to have the best chance of lowering rates. Some companies do not offer online rate quotes and most of the time these small insurance companies only sell through independent insurance agents.

As you go through the steps to switch your coverage, make sure you don’t reduce coverage to reduce premium. There are too many instances where an insured cut uninsured motorist or liability limits only to find out that they should have had better coverage. The ultimate goal is to buy enough coverage for the lowest cost while still protecting your assets.

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