Really, the only way to find cheaper prices for Ford Five Hundred insurance in Cincinnati is to start comparing prices regularly from insurers that insure vehicles in Ohio. You can compare rates by following these guidelines.
First, take a few minutes and learn about what is in your policy and the things you can change to prevent expensive coverage. Many factors that increase rates such as accidents, careless driving, and a less-than-favorable credit rating can be amended by making small lifestyle or driving habit changes.
Second, compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or Allstate, while agents who are independent can give you price quotes from multiple sources.
Third, compare the quotes to your current policy to see if a cheaper rate is available. If you can save money and change companies, make sure there is no lapse in coverage.
One thing to point out is to use identical coverages on each price quote and and to get rates from as many companies as feasibly possible. This guarantees a level playing field and maximum price selection.
It’s an obvious conclusion that car insurance companies want to keep you from shopping around. People who shop for lower rates are highly likely to buy a new policy because they stand a good chance of finding lower prices. A study discovered that people who faithfully checked for cheaper rates saved on average $3,400 over four years as compared to drivers who never compared rates.
If finding the cheapest price on Ford Five Hundred insurance in Cincinnati is your goal, then learning a little about how to shop and compare car insurance can make the process less intimidating.
Take advantage of these discounts
Car insurance companies don’t list every available discount in an easy-to-find place, so we researched a few of the more well known and the harder-to-find credits that may apply to you.
- Discount for Low Mileage – Low annual miles could qualify for better rates on cars that stay parked.
- Good Student Discount – Maintaining excellent grades can earn a discount of 20% or more. The discount lasts until age 25.
- Military Rewards – Having a deployed family member could be rewarded with lower car insurance rates.
- Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy some life insurance too.
- Multiple Policy Discount – If you can combine your auto and home policy with one company you could save nearly 15% which can help you find low cost Ford Five Hundred insurance.
- Memberships – Belonging to qualifying clubs or civic groups may earn a discount on your bill.
- Accident-Free Discounts – Drivers who don’t have accidents can earn big discounts when compared with policyholders that have many claims.
As is typical with insurance, some credits don’t apply to the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates you can get free auto insurance, nobody gets a free ride.
A list of car insurance companies and some of their more popular discounts can be read below.
- Travelers has discounts for good student, save driver, IntelliDrive, home ownership, early quote, and payment discounts.
- 21st Century offers premium reductions for air bags, defensive driver, automatic seat belts, driver training, anti-lock brakes, student driver, and early bird.
- State Farm offers discounts for anti-theft, multiple autos, safe vehicle, good student, Steer Clear safe driver discount, and good driver.
- GEICO offers discounts including military active duty, emergency military deployment, air bags, good student, anti-theft, five-year accident-free, and membership and employees.
- SAFECO discounts include teen safety rewards, homeowner, safe driver, bundle discounts, multi-car, teen safe driver, and accident prevention training.
- AAA may have discounts that include education and occupation, pay-in-full, anti-theft, AAA membership discount, multi-car, and good driver.
Check with each company or agent which credits you are entitled to. Some of the discounts discussed earlier may not apply to policies in Cincinnati. To locate insurance companies with significant discounts in Cincinnati, follow this link.
Finding a better price on insurance is pretty simple and can save money. All that’s required is to spend a few minutes comparing free Cincinnati car insurance quotes online with multiple companies.
Online shopping is fast and free, and it makes it obsolete to go to insurance agents’ offices. Doing it all online reduces the need to sit down with an agent unless you’re the type of person who wants the advice and guidance that can only be provided by a licensed insurance agent. However, consumers can price shop online and still use a local agent.
The companies shown below are ready to provide free quotes in Ohio. If multiple companies are listed, we suggest you visit several of them to get the best price comparison.
How do I know if I need professional advice?
When choosing insurance from an agent or online, there really is no “best” method to buy coverage. Everyone’s situation is unique.
For instance, these questions can help discover whether or not you would benefit from an agent’s advice.
- Which companies will insure me after a DUI?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
- Do I need to file an SR-22 for a DUI in Ohio?
- Can I afford to buy a different vehicle if my Ford Five Hundred is totaled?
- When do I need to add a new car to my policy?
- Why is insurance for a teen driver so high in Cincinnati?
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.
What if I want to buy from local Cincinnati insurance agents?
Some consumers just prefer to have an agent’s advice and we recommend doing that Experienced insurance agents are trained risk managers and give you someone to call. One of the best bonuses of price shopping on the web is that you can obtain cheap car insurance rates and still buy from a local agent.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is emailed to companies in Cincinnati that give free quotes for your insurance coverage. You won’t need to even leave your home since rate quotes are delivered directly to you. If you want to compare prices from a particular provider, don’t hesitate to go to their quote page and complete a quote there.
Choosing the best insurer is decision based upon more than just the price. Before buying a policy in Cincinnati, get answers to these questions.
- Is the agency involved in supporting local community causes?
- What discounts might you be missing?
- If you have an accident, will your rates go up?
- Do they write coverage based solely on cost?
- How long has their agency been open in Cincinnati?
- Do the coverages you’re quoting properly cover your vehicle?
- Do they assist clients in filing claims?
- Are claims handled at the agent’s location?
When finding a local agent, you need to know there are two different types of agents and how they can quote your rates. Car insurance agencies are either independent (non-exclusive) or exclusive. Both provide car insurance policies, but it’s important to know the difference in how they write coverage because it may have an impact on the selection process.
Exclusive Car Insurance Agencies
Exclusive agencies generally can only insure with one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to give you multiple price quotes so it’s a take it or leave it situation. Exclusive insurance agents are well trained in insurance sales which helps them compete with independent agents.
Listed below is a list of exclusive insurance agents in Cincinnati willing to provide price quotes.
Independent Car Insurance Agencies
Independent agents are not restricted to one company and that enables them to quote your coverage through lots of different companies and possibly get better coverage at lower prices. If premiums increase, they simply move your policy to a different company without you having to go to a different agency. When comparing rates, you need to include rate quotes from multiple independent agents to have the most options to choose from.
Shown below are independent agencies in Cincinnati that are able to give price quote information.
Persistence will pay off
Affordable Ford Five Hundred insurance in Cincinnati is available on the web as well as from independent agents in Cincinnati, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide rate quotes online and many times these smaller companies sell through independent agencies.
Insureds who switch companies do it for a number of reasons such as policy non-renewal, high rates after DUI convictions, an unsatisfactory settlement offer or even lack of trust in their agent. Whatever your reason, finding a great new company is less work than it seems.
As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. In many instances, consumers will sacrifice collision coverage and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to find the BEST coverage at an affordable rate while still protecting your assets.
Much more information about insurance in Ohio can be read below:
- Drunk Driving Statistics (Insurance Information Institute)
- How Much is Cincinnati Auto Insurance for Veterans? (FAQ)
- Who Has the Cheapest Cincinnati Auto Insurance Rates for Active Military? (FAQ)
- How Much are Auto Insurance Quotes for a Toyota Camry in Cincinnati? (FAQ)
- Who Has the Cheapest Cincinnati Auto Insurance Rates with Multiple Speeding Tickets? (FAQ)
- Car Insurance: When not to Skimp (BankRate.com)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Safe Vehicles for Teens (iihs.org)