There isn’t anyone who fancies paying their premiums for car insurance, especially when they know they are paying too much.
It’s safe to conclude that car insurance companies don’t want you quoting rates from other companies. Consumers who get price comparisons are highly likely to switch car insurance companies because there is a good chance of finding a policy with more affordable rates. A survey found that people who regularly compared rates saved $865 a year compared to policyholders who never shopped around.
If finding the cheapest rates on insurance is why you’re here, then learning about how to get rate quotes and compare coverage rates can save money and time. Online insurance companies like GEICO and Progressive all claim big savings, bombarding you with ad campaigns and it is challenging if not impossible to see past the corporate glitz and take the time to shop coverage around.
Consumers need to get comparison quotes as often as possible because car insurance prices change regularly. Just because you had the lowest rates on Ford C-Max Hybrid insurance in Cincinnati a year ago there may be better deals available now. Forget all the misinformation about car insurance because you’re about to learn the only way to lower your rates without sacrificing coverage.
Compare Ford C-Max Hybrid insurance rates
Lowering your Ford C-Max Hybrid auto insurance rates is a great way to save money. The only requirement is to take the time comparing rates from online providers.
Getting price quotes online is very simple and it takes the place of having to drive around to different Cincinnati agent offices. Comparing online rate quotes eliminates the need for an insurance agent unless you’re the type of person who wants the peace of mind of an agent trained in personal lines coverage. Some companies do allow you to price shop your coverage online but have your policy serviced through an agent.
The providers in the list below offer free quotes in Ohio. To locate cheap car insurance in Cincinnati, it’s a good idea that you visit two to three different companies in order to find the most competitive rates.
Lower rates by qualifying for these nine discounts
Some providers don’t always list every discount they offer in a way that’s easy to find, so below is a list a few of the more well known in addition to some of the lesser obvious discounts you could be receiving when you buy Cincinnati car insurance online.
- Pay Early and Save – By making one initial payment as opposed to paying monthly you may have a lower total premium amount.
- Active Service Discounts – Having a family member in the military could mean lower rates.
- Membership in Organizations – Affiliation with qualifying employment or professional organizations could qualify you for a break on insurance.
- Discounts for Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease but check with your company.
- Good Student Discount – Maintaining excellent grades may save you up to 25%. The discount lasts up to age 25.
- Mature Driver Discount – Older drivers are able to get a small decrease in premiums.
- Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts may qualify for discounts of 20% or more.
- Resident Student – Youth drivers living away from Cincinnati attending college and won’t have access to an insured vehicle can receive lower rates.
- Defensive Driver Discounts – Completing a driver safety course can save you 5% or more if you qualify.
Discounts reduce rates, but you should keep in mind that most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.
Companies that may offer quotes with these benefits include:
If you need the cheapest Ford C-Max Hybrid rate quotes, ask every prospective company the best way to save money. Some credits may not be available in Cincinnati.
Car insurance agents near you
Many people just want to get professional advice from a licensed agent and that can be a great decision Professional insurance agents can point out coverage gaps and help in the event of a claim. A good thing about getting free rate quotes online is that you can obtain cheap auto insurance rates but still work with a licensed agent. And providing support for local insurance agencies is important especially in Cincinnati.
To find an agent, once you fill out this simple form, the quote information is sent to companies in Cincinnati that can provide free Cincinnati car insurance quotes for your business. You don’t have to even leave your home because quoted prices will be sent instantly to you. If you have a need to quote rates from a specific company, feel free to find their quoting web page to submit a rate quote request.
Is an exclusive or independent auto insurance agent right for you?
If you are wanting to find local Cincinnati agents, you need to know there are two different types of agencies that you can choose from. Insurance agencies in Cincinnati may be either independent or exclusive. Either type can properly insure your vehicles, but we need to point out how they differ since it can affect the kind of agent you use.
Independent Insurance Agents
Agents that choose to be independent are not restricted to one company so they can insure your vehicles with lots of companies enabling the ability to shop coverage around. If they quote lower rates, they can switch companies in-house and you don’t have to do anything. When comparing auto insurance prices, you will want to contact several independent agencies to maximize your price options.
The following are independent agencies in Cincinnati who may provide comparison quotes.
Exclusive Auto Insurance Agencies
Agents of this type are contracted to one company like Farmers Insurance and State Farm. These agents are unable to compare other company’s rates so you need to shop around if the rates are high. Exclusive agencies are usually well trained on what they offer and that can be a competitive advantage.
The following is a short list of exclusive agencies in Cincinnati that are able to give price quotes.
Finding the right insurance agent needs to be determined by more than just a cheap price. These are valid questions to ask:
- Is the quote a firm price?
- Do they reduce claim amounts on high mileage vehicles?
- How much will you save each year by using a higher deductible?
- Will you get a loaner vehicle if you car is being repaired?
- Will the agent or a CSR service your policy?
- How are they compensated?
- How long has the business existed?
- Are they involved in claim handling?
Auto insurance policy coverages for a Ford C-Max Hybrid
Knowing the specifics of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages found on most auto insurance policies.
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Ford C-Max Hybrid.
Since many Ohio drivers have only the minimum liability required by law (25/50/25 in Ohio), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.
Liability car insurance
Liability insurance will cover injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.
Liability insurance covers claims like repair costs for stationary objects, legal defense fees, bail bonds, attorney fees and pain and suffering. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford. Ohio requires minimum liability limits of 25/50/25 but you should think about purchasing better liability coverage.
The illustration below shows why minimum state limits may not be enough.
Auto collision coverage
Collision insurance will pay to fix damage to your C-Max Hybrid from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for things like crashing into a ditch, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible on your C-Max Hybrid to get cheaper collision coverage.
Medical costs insurance
Med pay and PIP coverage reimburse you for short-term medical expenses for rehabilitation expenses, hospital visits and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Comprehensive or Other Than Collision
This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers things such as rock chips in glass, damage from flooding and hail damage. The highest amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
One last thing to lower rates
Lower-priced Ford C-Max Hybrid insurance in Cincinnati is definitely available both online as well as from insurance agents, so get free Cincinnati car insurance quotes from both of them to have the best rate selection. A few companies may not provide online price quotes and these regional insurance providers work with independent agencies.
We just showed you a lot of techniques to get a better price on Ford C-Max Hybrid insurance in Cincinnati. The key concept to understand is the more price quotes you have, the better likelihood of getting inexpensive Cincinnati car insurance quotes. You may even discover the most savings is with a company that doesn’t do a lot of advertising. They may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as Allstate, GEICO and Progressive.
Steps to buying low-cost Ford C-Max Hybrid insurance in Cincinnati
The preferred way to find better pricing on Ford C-Max Hybrid insurance in Cincinnati is to compare prices regularly from insurance carriers who can sell car insurance in Ohio.
Step 1: Read about the different coverages in a policy and the things you can change to drop your rates. Many risk factors that result in higher rates like speeding tickets, careless driving and a negative credit history can be amended by making minor changes to your lifestyle.
Step 2: Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like GEICO or State Farm, while independent agencies can provide rate quotes for many different companies.
Step 3: Compare the new quotes to your existing rates to see if you can save by switching companies. If you find a lower rate and decide to switch, ensure there is no coverage lapse between policies.
One key aspect when comparing rates is that you’ll want to make sure you compare the same deductibles and limits on each quote request and and to get price quotes from as many companies as you can. This provides a fair rate comparison and maximum price selection.
Much more information about insurance in Ohio can be read on the following sites:
- Event Data Recorders FAQ (iihs.org)
- What Insurance is Cheapest for Teenagers in Cincinnati? (FAQ)
- Who Has Cheap Car Insurance Rates for a Company Car in Cincinnati? (FAQ)
- Who Has Cheap Cincinnati Auto Insurance for Teachers? (FAQ)
- Understanding Car Crashes Video (iihs.org)
- What is Full Coverage? (Allstate)
- How Much Auto Coverage do I Need? (Insurance Information Institute)