Do you want lower-priced Kia Optima Plug-In Hybrid insurance in Cincinnati? Searching for cheaper insurance for your Kia Optima Plug-In Hybrid in Ohio can normally be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to shop for auto insurance so we’re going to tell you the best way to quote coverages for a new or used Kia and find the cheapest rates either online or from Cincinnati insurance agents.
It’s a good habit to get comparison quotes at least once a year because prices change regularly. Despite the fact that you may have had the best rate on Kia Optima Plug-In Hybrid insurance in Cincinnati a couple years back there is a good chance you can find better premium rates now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to how to use online quotes to eliminate unnecessary coverages and save money on Kia Optima Plug-In Hybrid insurance in Cincinnati.
The following companies offer price comparisons in Cincinnati, OH. To find cheap car insurance in Cincinnati, OH, we suggest you visit two to three different companies to find the most affordable auto insurance rates.
Cheaper Cincinnati car insurance rates with discounts
Car insurance can be pricey, but there may be some discounts to help bring down the price. A few discounts will automatically apply at the time of quoting, but a few need to be requested specifically in order for you to get them.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and will qualify for a discount on a Cincinnati auto insurance quote.
- Discount for New Cars – Adding a new car to your policy can save you some money since newer vehicles are generally safer.
- Claim Free – Claim-free drivers pay much less when compared with drivers with a long claim history.
- Good Student – Getting good grades may save you up to 25%. The discount lasts until age 25.
- Discount for Life Insurance – Select companies reward you with a discount if you purchase some life insurance too.
- Discounts for Multiple Vehicles – Buying a policy with multiple cars on one policy can reduce rates for all insured vehicles.
- Onboard Data Collection – Drivers that enable their car insurance company to spy on when and where they use their vehicle by using a telematic data system such as Progressive’s Snapshot may see discounts if they exhibit good driving behavior.
- Federal Government Employee – Active or former government employment can save as much as 8% depending on your company.
- Safety Restraint Discount – Buckling up and requiring all passengers to use a seat belt may be able to save a few bucks off PIP or medical payments premium.
- Active Military Service – Being deployed with a military unit can result in better car insurance rates.
Just know that most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, it’s just not the way it works.
A list of car insurance companies and a partial list of their discounts are detailed below.
- GEICO includes discounts for membership and employees, anti-theft, daytime running lights, seat belt use, good student, defensive driver, and emergency military deployment.
- USAA policyholders can earn discounts including annual mileage, safe driver, vehicle storage, loyalty savings, new vehicle, multi-policy, and defensive driver.
- Progressive has discounts for online quote discount, good student, online signing, continuous coverage, and homeowner.
- American Family may have discounts that include good student, multi-vehicle, mySafetyValet, bundled insurance, good driver, TimeAway discount, and Steer into Savings.
- Esurance offers discounts including paid-in-full, online quote, anti-theft, good driver, and anti-lock brakes.
- Farmers Insurance may include discounts for pay in full, distant student, homeowner, good student, and early shopping.
- State Farm offers discounts for multiple autos, multiple policy, safe vehicle, good student, Steer Clear safe driver discount, student away at school, and passive restraint.
Double check with each company or agent to give you their best rates. Some of the discounts discussed earlier might not be offered in your area.
Are insurance agents used anymore?
Many drivers just prefer to get professional advice from a licensed agent and we recommend doing that Licensed agents can point out coverage gaps and give you someone to call. One of the great benefits of price shopping on the web is that you can find the lowest rates and still buy from a local agent.
For easy comparison, once you complete this form (opens in new window), the quote information is transmitted to agents in your area that provide free Cincinnati auto insurance quotes and help you find cheaper coverage. It’s much easier because you don’t need to even leave your home since price quotes are sent immediately to you. If you need to get a price quote from one company in particular, just jump over to their website to submit a rate quote request.
Choosing the best insurance company should include more criteria than just a low price. The following questions are important to ask.
- If you raise deductibles, how much can you save?
- Are they in the agency full-time?
- What insurance company do they write the most business with?
- Will the company cover a rental car if your car is getting fixed?
- Do they offer accident forgiveness?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Where are claims handled?
When researching a local Cincinnati insurance agency, it’s helpful to know the different agency structures that you can select. Agencies in Cincinnati may be either exclusive agents or independent agents. Both types can handle car insurance, but it’s important to point out the difference in how they write coverage since it may influence the type of agent you choose.
Exclusive Insurance Agents
Agents of this type have only one company to place business with and examples are American Family, State Farm, and Allstate. These agents are unable to compare rates from other companies so it’s a take it or leave it situation. Exclusive agencies are usually quite knowledgeable on sales techniques which helps overcome the inability to quote other rates. Some insured continue to buy from the same agent for years mostly because of high brand loyalty rather than low rates.
Listed below are exclusive insurance agents in Cincinnati willing to provide rate quotes.
- Beth Wilker – State Farm Insurance Agent
8406 Winton Rd – Cincinnati, OH 45231 – (513) 521-0884 – View Map
- Farmers Insurance – Shellie Burke
4734 Vine St – Cincinnati, OH 45217 – (513) 242-2777 – View Map
- Mike Albrinck – State Farm Insurance Agent
9018 Reading Rd – Cincinnati, OH 45215 – (513) 563-9099 – View Map
Independent insurance agents are not employed by any specific company and that is an advantage because they can write policies through lots of different companies and find you cheaper rates. If they find a cheaper price, your policy is moved internally and you can keep the same agent. If you need lower rates, we highly recommend that you contact at a minimum one independent agency for the best price selection. Many independent agencies also insure through smaller mutual companies which may provide better rates.
Below is a list of independent agents in Cincinnati willing to provide rate quotes.
- R G Mc Graw Insurance Inc
324 E 4th St – Cincinnati, OH 45202 – (513) 381-7881 – View Map
- Rick Hensley Insurance Agency
747 Ohio Pike – Cincinnati, OH 45245 – (513) 797-8300 – View Map
- Duffy Insurance Agency
7611 Cheviot Rd – Cincinnati, OH 45247 – (513) 861-5500 – View Map
Kia Optima Plug-In Hybrid Insurance Price Factors
Part of the insurance buying process is learning the different types of things that help calculate insurance rates. When you understand what influences your rates, this allows you to make educated decisions that could result in big savings.
The list below includes some of the most common factors that factor into your premiums.
Save money with theft deterrents – Choosing to buy a car with anti-theft technology or alarm system can earn a premium discount. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart auto theft and help lower rates.
Liability coverage – A critical coverage on your policy, liability insurance kicks in in the event that you are determined to be liable for causing damage or personal injury in an accident. It provides you with a defense in court which can cost a lot. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not skimp.
No insurance claims equals better rates – If you tend to file frequent claims, you should expect higher premiums or even policy non-renewal. Insurance companies in Ohio provide discounts to policyholders who only file infrequent claims. Auto insurance is intended to be relied upon for more catastrophic claims.
Rates increase with policy add-ons – There are a ton of additional extra coverages that sound like a good idea at the time if you aren’t careful. Things like coverage for rental cars, towing, and motor club memberships may not be needed and are just wasting money. They may seem good when deciding what coverages you need, but if you don’t need them remove them and pocket the money.
Bundling policies can get discounts – Lots of insurance companies afford better rates to buyers that buy multiple policies in the form of a multi-policy discount. If you currently are using one company, drivers will still want to check prices from other companies to ensure the best deal.
Three reasons to not skimp on insurance
Even though Cincinnati Optima Plug-In Hybrid insurance rates can get expensive, insurance is a good idea for several reasons.
- The majority of states have mandatory insurance requirements which means state laws require a specific minimum amount of liability coverage in order to get the vehicle licensed. 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 vehicle has a lienholder, it’s most likely the lender will stipulate that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank may insure your Kia at a significantly higher premium and require you to pay a much higher amount than you were paying before.
- Insurance protects not only your Kia Optima Plug-In Hybrid but also your assets. Insurance will pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you are sued as the result of an accident. If your car is damaged in a storm or accident, your insurance policy will pay to restore your vehicle to like-new condition.
The benefits of buying insurance definitely exceed the price paid, especially if you ever need it. The average driver in America is overpaying more than $830 a year so you should quote your policy with other companies at every renewal to ensure rates are competitive.
Be persistent and save
Affordable Kia Optima Plug-In Hybrid insurance in Cincinnati is attainable online as well as from independent agents in Cincinnati, and you need to comparison shop both to have the best rate selection. Some companies may not have the ability to get a quote online and these small, regional companies prefer to sell through independent agencies.
We’ve covered a lot of techniques to reduce Kia Optima Plug-In Hybrid insurance auto insurance rates online in Cincinnati. The key thing to remember is the more times you quote, the better likelihood of getting the cheapest Kia Optima Plug-In Hybrid rate quotes. Consumers may even find the lowest auto insurance rates are with a small local company.
Drivers switch companies for a variety of reasons including lack of trust in their agent, being labeled a high risk driver, delays in paying claims or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a great new company is not as hard as you think.
Steps to saving money on Kia Optima Plug-In Hybrid insurance in Cincinnati
To save the most money, the best way to save on auto insurance rates is to regularly compare price quotes from insurance carriers who sell auto insurance in Cincinnati.
- First, get an understanding of policy coverages and the factors you can control to keep rates down. Many rating factors that drive up the price like at-fault accidents and a poor credit rating can be amended by paying attention to minor details.
- Second, compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from one company like GEICO and State Farm, while independent agencies can provide prices from many different companies.
- Third, compare the new quotes to your existing policy to see if a cheaper price is available in Cincinnati. If you can save money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Fourth, tell your current agent or company to cancel your current policy. Submit a completed policy application and payment to the new company. Immediately upon receiving it, place your new certificate verifying coverage in an easily accessible location.
The most important part of this process is to make sure you enter identical deductibles and limits on every quote and to quote with as many companies as feasibly possible. Doing this helps ensure a level playing field and the most accurate and complete price analysis.
More detailed car insurance information is available by following these links:
- Young Drivers: The High Risk Years Video (iihs.org)
- Who Has the Cheapest Cincinnati Car Insurance Quotes for a Ford Fusion? (FAQ)
- Older Drivers FAQ (iihs.org)
- How do I File a Claim? (Insurance Information Institute)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Insurance losses by make and model (Insurance Institute for Highway Safety)