Are you at wits end from paying out the nose to pay insurance each month? You are no different than the majority of other consumers in Ohio.
It’s well known that insurance companies want to prevent you from shopping around. People who shop around annually will presumably switch companies because there is a high probability of finding a lower rate. A recent survey revealed that drivers who did price comparisons regularly saved about $3,500 over four years compared to drivers who never compared rates.
If saving the most money on Chrysler 200 insurance is your target objective, then knowing the best ways to find and compare coverages can make the process less intimidating.
Steps to finding affordable Chrysler 200 insurance in Cincinnati
It takes a little time, but the best way to find low-cost Chrysler 200 insurance in Cincinnati is to start doing a yearly price comparison from providers who sell insurance in Ohio.
- Get an understanding of how insurance works and the modifications you can make to keep rates down. Many rating criteria that are responsible for high rates like careless driving and a negative credit score can be controlled by making small lifestyle or driving habit changes. Later in this article we will cover additional tips to keep prices down and find overlooked discounts.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agents can provide price quotes for many different companies.
- Compare the new rate quotes to the price on your current policy to see if a cheaper rate is available in Cincinnati. If you can save money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Give notification to your current company of your intent to cancel your current coverage and submit the completed application along with a down payment to your new agent or company. Make sure you keep the new proof of insurance certificate in your vehicle’s glove compartment or console.
The key aspect of shopping around is that you’ll want to compare the same liability limits and deductibles on every price quote and and to look at as many car insurance companies as possible. Doing this ensures an apples-to-apples comparison and and a good selection of different prices.
Since consumers have many online and local companies to choose from, it can be impossible to locate the most affordable insurance company.
It’s a good idea to do price comparisons at least once a year since insurance rates go up and down regularly. Just because you found the lowest rate on Chrysler 200 insurance in Cincinnati last year the chances are good that you can find a lower price today. There is a lot of bad advice regarding 200 insurance online, but in this article, you’re going to get a lot of great tips on how to reduce your insurance bill.
Insurance Premium Influencing Factors
Consumers need to have an understanding of the different types of things that come into play when calculating your premiums. If you know what impacts premium levels, this enables you to make decisions that may reward you with big savings.
Where you call home can modify costs – Residing in small towns and rural areas is a positive aspect if you are looking for the lowest rates. Drivers in populated areas have much more traffic and a longer drive to work. Less people corresponds to lower accident rates as well as less vandalism and auto theft.
Responsible credit equals lower premiums – Having a good credit score can be a huge factor in determining what you pay for insurance. So if your credit rating is low, you could save money insuring your Chrysler 200 by improving your credit score. People that have very good credit scores tend to file fewer claims and have better driving records than drivers with lower credit ratings.
Is you employer costing you more? – Careers like judges, social workers, and accountants generally have the highest average rates attributed to intense work-related stress and long work hours. On the flip side, occupations like scientists, students and the unemployed pay lower than average rates.
Cars with good safety ratings save money – Cars with five star safety ratings tend to have lower insurance rates. Vehicles engineered for safety protect occupants better and lower rates of occupant injuries translates directly to fewer claims passed on to you as lower rates.
Be proud to be claim-free – If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Companies in Ohio give the best rates to policyholders that do not abuse their auto insurance. Your insurance policy is intended for more catastrophic claims.
Battle of the sexes – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Females and males have accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Not only that, but men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Males from age 16 to 21 cause the most accidents so they pay the highest premiums.
Insurance rates and age – Older, more experienced drivers tend to be more responsible, file fewer claims, and are generally more financially stable. Drivers with little experience have a tendency to be inattentive and easily distracted when driving therefore insurance rates are much higher.
Avoid insurance lapses – Driving without insurance can get your license suspended and your next policy will cost more because you let your coverage lapse. Not only will rates go up, getting caught without coverage may result in a revoked license or a big fine.
Insurance losses for a Chrysler 200 – Insurers study historical loss data to calculate a rate that offsets possible losses. Vehicles that the statistics show to have higher number or severity of losses will cost more for specific coverages.
The table below demonstrates the insurance loss data for Chrysler 200 vehicles. For each insurance policy coverage type, the statistical loss for all vehicles, regardless of manufacturer or model, equals 100. Values below 100 mean the vehicle has better than average losses, while numbers shown that are more than 100 point to more frequent losses or a tendency for losses to be larger than average.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Chrysler 200 2WD | 117 | 113 | 116 | 174 | 189 | 152 |
| Chrysler 200 4WD | 117 | 112 | 108 | 127 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
The quickest method to get policy rate comparisons for Chrysler 200 insurance in Cincinnati is to know the fact auto insurance companies participate in online systems to quote your coverage. To begin a comparison, all you need to do is provide the companies a bit of rating information like types of safety features, if you have a valid license, how your vehicles are used, and the ages of drivers. That rating data gets sent immediately to multiple top-rated companies and they return rate quotes immediately.
To find lower lower-cost Chrysler 200 insurance rates now, click here and enter your zip code.
The companies shown below are ready to provide free rate quotes in Cincinnati, OH. To buy cheap car insurance in Cincinnati, OH, we recommend you visit two to three different companies to get a more complete price comparison.
Why you need insurance for your 200
Despite the high cost, maintaining insurance is mandatory in Ohio but it also protects more than you think.
- Almost all states have minimum liability requirements which means you are required to carry specific limits of liability insurance in order to drive the car. 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.
- If your Chrysler has a loan, it’s most likely the lender will force you to carry insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your Chrysler at a much higher premium rate and require you to pay a much higher amount than you were paying before.
- Car insurance preserves not only your car but also your assets. It will also provide coverage for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If damage is caused by hail or an accident, collision and comprehensive coverages will cover the repair costs.
The benefits of insuring your 200 more than offset the price you pay, particularly for liability claims. Despite what companies tell you, the average driver is overpaying over $820 a year so it’s recommended you shop around each time the policy renews to be sure current rates are still competitive.
Car insurance discounts are available for cheaper rates
Car insurance is easily one of your largest bills, but there are discounts available to help offset the cost. Some discounts apply automatically when you complete an application, but some need to be asked about before they will apply.
- Memberships – Joining qualifying clubs or civic groups is a simple method to lower premiums on your policy.
- No Accidents – Insureds with no claims or accidents pay much less when compared to accident-prone drivers.
- 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a Cincinnati car insurance quote.
- Employee of Federal Government – Active or former government employment can earn a discount up to 10% depending on your company.
- Homeowners Savings – Just owning your own home may earn you a small savings because maintaining a house is proof of financial responsibility.
- Multiple Policy Discount – When you combine your home and auto insurance and insure them both with the same insurance company you could earn a discount of at least 10 to 15 percent or more.
- Use Seat Belts – Requiring all passengers to fasten their seat belts may be able to save a few bucks off the PIP or medical payment premium.
One thing to note about discounts is that most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like liability and collision coverage. So even though you would think adding up those discounts means a free policy, company stockholders wouldn’t be very happy. Any amount of discount will definitely lower the amount you pay for coverage.
A partial list of companies that may offer quotes with these benefits possibly include:
If you need lower rates, check with each company which credits you are entitled to. Discounts might not be available to policyholders in every state. To locate companies with the best discounts in Cincinnati, click this link.
Compare prices but still have a local neighborhood Cincinnati car insurance agent
Some consumers still like to visit with an insurance agent. The biggest benefit of comparing rate quotes online is that you can find cheap insurance rates but still work with a licensed agent.
To find an agent, once you fill out this simple form, your insurance data gets sent to agents in your area that can provide free Cincinnati car insurance quotes for your business. You don’t have to search for any insurance agencies because quoted prices will be sent to your email. You can find better rates and a licensed agent to talk to. If you want to get a comparison quote from a particular provider, you can always find their quoting web page to submit a rate quote request.
Deciding on a company requires you to look at more than just the price. These questions are important to ask:
- Can you contact them at any time?
- How many companies do they write for?
- Is there a local claims center in Cincinnati?
- Do they reduce claim amounts on high mileage vehicles?
- If your car is in the repair shop, do you have coverage for a rental car?
- Are all drivers listed on the coverage quote?
- How long have they worked with personal auto insurance coverage?
If you want to use a reliable agent, it’s important to understand the different agency structures and how they differ in how they quote coverages. Agents can either be independent (non-exclusive) or exclusive.
Exclusive Agents
Agents in the exclusive channel work for only one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. They are trained well on their products and sales techniques which helps them sell on service rather than price.
Listed below is a list of exclusive insurance agencies in Cincinnati that are able to give comparison quotes.
American Family Insurance – Barbara Hall
4010 N Bend Rd Ste 300 – Cincinnati, OH 45211 – (513) 347-9492 – View Map
Dennis Howard – State Farm Insurance Agent
309 W Kemper Rd – Cincinnati, OH 45246 – (513) 771-1436 – View Map
Steve Ulmer – State Farm Insurance Agent
3518 Glenmore Ave – Cincinnati, OH 45211 – (513) 662-4300 – View Map
Independent Insurance Agencies
Independent agents are not employed by any specific company so they can insure your vehicles through many different insurance companies and find the cheapest insurance rates. If they find a cheaper price, they can switch companies in-house and that require little work on your part.
When comparing insurance prices, you will definitely want to include price quotes from a couple of independent agencies to ensure the widest selection of prices.
Listed below are Cincinnati independent insurance agents that can give you comparison quotes.
Dillhoff Insurance
120 E 4th St # 1000 – Cincinnati, OH 45202 – (513) 621-2020 – View Map
Ohio Insurance Center
7404 Hamilton Ave – Cincinnati, OH 45231 – (513) 522-6300 – View Map
Htt Agency
5879 Cheviot Rd – Cincinnati, OH 45247 – (513) 741-2100 – View Map
Ohio auto insurance companies ranked
Buying coverage from a highly-rated insurer can be a challenge considering how many companies are available to choose from in Ohio. The company information shown below may help you select which insurers you want to consider purchasing from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
You may need specialized car insurance coverage
When it comes to the best car insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.
Here are some questions about coverages that might point out whether your personal situation will benefit from professional help.
- Do I need motorclub coverage?
- Does rental coverage apply when I am renting a car?
- Is my Chrysler 200 covered for flood damage?
- Should I buy additional glass protection?
- When should I not file a claim?
- Is my cargo covered for damage or theft?
- Should I have combined single limit or split liability limits?
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form.
Find affordable rates by comparing often
Lower-priced Chrysler 200 insurance in Cincinnati is available from both online companies and with local Cincinnati insurance agents, so you need to quote Cincinnati car insurance with both to get a complete price analysis. Some auto insurance companies may not provide online price quotes and these smaller providers prefer to sell through independent agents.
When searching for low cost Cincinnati car insurance quotes, never sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage for the lowest price while not skimping on critical coverages.
People change insurance companies for a number of reasons such as denial of a claim, questionable increases in premium, poor customer service and even being labeled a high risk driver. Regardless of your reason, finding a great new company can be easy and end up saving you some money.
How to find lower priced Chrysler 200 insurance in Cincinnati
The easiest way to get affordable Chrysler 200 insurance in Cincinnati is to start doing a yearly price comparison from insurance carriers who provide car insurance in Ohio.
- First, learn about how insurance companies determine prices and the things you can control to prevent high rates. Many rating factors that increase rates like speeding and a low credit score can be improved by making minor changes in your lifestyle.
- Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive and State Farm, while independent agencies can provide price quotes from many different companies.
- Third, compare the new rates to the price on your current policy and determine if cheaper 200 coverage is available in Cincinnati. If you find better rates, make sure there is no lapse in coverage.
One thing to point out is that you’ll want to make sure you compare identical limits and deductibles on each quote and to quote with as many auto insurance providers as possible. Doing this provides an accurate price comparison and and a good selection of different prices.
To read more, link through to the articles below:
- Senior Drivers (Insurance Information Institute)
- Who Has Cheap Auto Insurance Rates for a Nissan Rogue in Cincinnati? (FAQ)
- How Much is Cincinnati Auto Insurance for a Toyota Highlander? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Vehicle Size and Weight FAQ (iihs.org)
- Insuring a Leased Car (Insurance Information Institute)