The preferred way to find more affordable auto insurance rates is to compare prices at least once a year from insurers who provide auto insurance in Cincinnati. Price quotes can be compared by following these steps.
Step 1: Get a basic knowledge of how car insurance works and the steps you can take to prevent rate increases. Many risk factors that cause high rates like multiple speeding tickets and a substandard credit score can be remedied by making minor changes in your lifestyle. Continue reading for additional ideas to help prevent expensive coverage and earn a bigger discount.
Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from one company like GEICO or Farmers Insurance, while agents who are independent can provide price quotes from many different companies.
Step 3: Compare the new rate quotes to your existing coverage to see if cheaper Niro coverage is available. If you find a better price, make sure there is no lapse in coverage.
Step 4: Notify your current company of your intent to cancel your current policy and submit the signed application along with the required initial payment for the new policy. Make sure you put the proof of insurance paperwork in an accessible location in your vehicle.
The most important part of this process is to use identical limits and deductibles on each price quote and and to look at all possible companies. This provides an apples-to-apples comparison and plenty of rates choose from.
Unthinkable but true, the vast majority of auto insurance customers have purchased from the same company for a minimum of four years, and just short of a majority have never even compared quotes to find lower-cost rates. Most drivers in Cincinnati could save $729 every year by just shopping around, but they underestimate how much savings they would realize if they switch to a new company.
These tips will teach you how to get online quotes and also save some money in the process If you currently have a car insurance policy, you stand a good chance to be able to get lower rates using the concepts you’re about to learn. Nevertheless, Ohio car owners need to learn the methods companies use to calculate their prices and apply this information to your search.
When shopping for Kia Niro insurance in Cincinnati there are multiple ways of comparing rate quotes from local Cincinnati car insurance companies. By far the easiest way to compare rates is to get quotes online.
Online shopping is fast and free, and it makes it obsolete to spend your day driving to insurance agencies in your area. Buying insurance online can eliminate the need for a local agent unless you require the extra assistance only provided by licensed Cincinnati agents. Although you can comparison shop your insurance online but buy from a local insurance agent. When comparing car insurance rates, know that comparing a wide range of rates helps improve the odds of finding more affordable insurance. Not every company provides rate quotes online, so it’s important to compare price quotes from them as well.
The companies in the list below offer quotes in Ohio. In order to find the cheapest car insurance in Ohio, it’s highly recommended you visit two to three different companies in order to get a fair rate comparison.
Save money with discounts
Companies that sell car insurance do not list every discount in an easy-to-find place, so the following is a list of a few of the more common as well as the least known credits that may apply to you.
- Distant Student Discount – Older children who are attending college and won’t have access to an insured vehicle can be insured at a reduced rate.
- Low Miles Discount – Fewer annual miles on your Kia may enable drivers to earn cheaper auto insurance rates.
- Driver Safety – Completing a course that instructs on driving safety could possibly earn you a 5% discount and make you a better driver.
- Senior Citizen Rates – If you’re over the age of 55, you are able to get a slight reduction on a Cincinnati car insurance quote.
- Cincinnati Homeowners Pay Less – Owning a house in Cincinnati may earn you a small savings because it requires a higher level of personal finance.
- Accident Forgiveness – This isn’t a discount exactly, but a few companies such as Progressive, Allstate, and GEICO will let one accident slide without the usual rate increase so long as you haven’t had any claims prior to the accident.
- Seat Belt Discounts – Buckling up and requiring all passengers to buckle up before driving can save up to 15% on medical payment and PIP coverage.
- New Vehicle Savings – Insuring a vehicle that is new can save up to 30% since newer vehicles are generally safer.
- Online Discount – A handful of insurance companies may give you up to $50 for buying a policy and signing up on their website.
A quick disclaimer, some of the credits will not apply to all coverage premiums. Some only reduce individual premiums such as liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. Any amount of discount will lower the premium cost.
To choose insurers that provide some of the discounts listed above in Cincinnati, click this link.
Protect more than your vehicle
Despite the fact that insurance is not cheap in Cincinnati, insurance is not optional due to several reasons.
First, just about all states have mandatory liability insurance requirements which means you are required to carry specific minimum amounts of liability protection 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.
Second, if you have a lien on your Kia Niro, most lenders will have a requirement that you have full coverage to protect their interest in the vehicle. If you let the policy lapse, the lender will be forced to insure your Kia at a much higher premium rate and require you to reimburse them for the much more expensive policy.
Third, insurance safeguards not only your Kia Niro but also your financial assets. Insurance will pay for hospital and medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are sued as the result of an accident. If you have damage to your Kia as the result of the weather or an accident, collision and comprehensive coverages will pay to repair the damage.
The benefits of insuring your Niro more than offset the price you pay, particularly for liability claims. Despite what companies tell you, the average driver is currently overpaying as much as $800 each year so compare rate quotes each time the policy renews to make sure the price is not too high.
You may need specialized insurance coverage
When buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique and your insurance should be unique as well.
For instance, these questions could help you determine whether or not you could use an agent’s help.
- Are rock chip repairs covered?
- Can I rate high risk drivers on liability-only vehicles?
- Can I get by with minimal medical coverage if I have good health insurance?
- What is the ISO rating for a Kia Niro?
- Do all my vehicles need collision coverage?
- How much liability insurance is required?
- Do I need special endorsements for business use of my vehicle?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.
Get rate quotes but still have a local neighborhood Cincinnati car insurance agent
A small number of people still prefer to talk to an insurance agent and doing so can bring peace of mind The best thing about comparing rate quotes online is the fact that drivers can get better rates but still work with a licensed agent. Buying from and supporting neighborhood insurance agencies is definitely important in Cincinnati.
Upon completion of this quick form, the quote information is submitted to agents in your area who will give you quotes to get your business. There is no reason to find an agent on your own because prices are sent instantly to you. You can get cheaper insurance rates and a licensed agent to talk to. In the event you want to compare rates from a particular provider, feel free to jump over to their website and fill out the quote form the provide.
Compare rates from both independent and exclusive car insurance agents
When narrowing the list to find a local Cincinnati insurance agent, there are two different types of agencies and how they can write your policy. Agents in Cincinnati are categorized either independent or exclusive.
Independent Agents (or Brokers)
Agents that elect to be independent do not have single company limitations and that is an advantage because they can write policies through many companies and find you the best rates. If prices rise, your policy is moved internally and you don’t have to switch agencies.
When comparison shopping, we highly recommend that you compare quotes from several independent agencies to ensure the widest selection of prices.
Shown below is a short list of independent insurance agents in Cincinnati who may be able to give you free insurance quotes.
CAI Insurance Agency, Inc.
2035 Reading Rd – Cincinnati, OH 45202 – (513) 221-1140 – View Map
CMS Insurance Inc
2756 Erie Ave – Cincinnati, OH 45208 – (513) 321-2000 – View Map
2619 Erie Ave – Cincinnati, OH 45208 – (513) 871-3330 – View Map
Exclusive agencies can only quote rates from one company like Farmers Insurance or State Farm. They generally cannot give you multiple price quotes so you need to shop around if the rates are high. These agents are very knowledgeable on what they offer which can be an advantage.
Shown below are exclusive agents in Cincinnati that are able to give comparison quotes.
Mark Redmond – State Farm Insurance Agent
7225 Colerain Ave Ste 202 – Cincinnati, OH 45239 – (513) 221-7836 – View Map
Dennis Howard – State Farm Insurance Agent
309 W Kemper Rd – Cincinnati, OH 45246 – (513) 771-1436 – View Map
Bob Donnelly – State Farm Insurance Agent
2063 Beechmont Ave – Cincinnati, OH 45230 – (513) 231-4975 – View Map
Picking a insurance agent requires you to look at more than just the bottom line cost. The following questions are important to ask.
- Does the company use OEM repair parts?
- Does the agency have a good rating with the Better Business Bureau?
- Is every driver in your family covered?
- Can glass repairs be made at your home?
- Do they have cheaper tiers of coverage?
After talking to the agent and getting acceptable answers to these questions as well as low cost Kia Niro insurance quotes, you may have just found a car insurance agent that is reliable enough to service your policy.