The preferred way to get the cheapest auto insurance rates in Cincinnati is to compare quotes once a year from insurers who can sell car insurance in Ohio. Prices can be compared by completing these steps.
First, try to comprehend individual coverages and the factors you can control to prevent expensive coverage. Many things that cause high rates like careless driving and a not-so-good credit score can be controlled by making lifestyle changes or driving safer.
Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like GEICO and Allstate, while independent agents can provide rate quotes from multiple insurance companies.
Third, compare the new rate quotes to your existing rates and see if you can save money. If you find a lower rate quote and change companies, make sure coverage does not lapse between policies.
The most important part of this process is to make sure you enter the same level of coverage on every quote request and and to get price estimates from as many different companies as possible. Doing this enables the most accurate price comparison and the best price quote selection.
It’s a known fact that car insurance companies don’t want you to compare rates. Consumers who shop around at least once a year will presumably buy a new policy because there is a great chance of finding a policy with better rates. A recent survey found that consumers who routinely shopped for cheaper coverage saved as much as $3,450 over four years compared to those who never shopped around.
If finding the best price on car insurance is the reason you’re reading this, then learning about how to get rate quotes and compare insurance coverage can save time, money, and frustration.
If you have insurance now or are shopping for new coverage, you can follow these tips to get lower rates while maintaining coverages. Buying affordable auto insurance in Cincinnati is actually very simple if you learn how to start. You just have to use the proper way to compare company rates online.
Getting a cheaper price on insurance isn’t really that difficult. Just take the time getting comparison quotes from some recommended companies.
Online shopping is fast and free, and it makes it a waste of time to drive around to all the different insurance agencies. The fact that you can get quotes online can eliminate the need for a local agent unless your situation requires the professional guidance of an agent trained in personal lines coverage. If you prefer, some companies allow you to get the lowest quotes online but have a local agent actually write the policy.
The companies shown below have been selected to offer price quotes in Ohio. To find the cheapest auto insurance in Ohio, it’s highly recommended you visit several of them to find the lowest auto insurance rates.
Insuring your vehicle just makes sense
Even though it’s not necessarily cheap to insure a Kia in Cincinnati, car insurance serves an important purpose.
First, most states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance if you don’t want to risk a ticket. 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 loan on your Spectra, most banks will require that you have full coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender will be forced to insure your Kia at an extremely high rate and make you pay for it.
Third, car insurance protects both your Kia and your assets. It will also pay for many types of medical costs for both you and anyone you injure as the result of 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, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having car insurance greatly outweigh the cost, particularly when you have a large claim. The average driver in Ohio is wasting up to $800 each year so you should quote and compare rates every year to ensure rates are competitive.
Decisions You Make Can Impact Your Insurance Prices
Part of the insurance buying process is learning a few of the rating criteria that help determine the price you pay for insurance. When consumers understand what influences your rates, this helps enable you to make changes that could help you find much lower annual insurance costs.
The list below includes some of the things used by your company to calculate your rates.
- Married drivers get cheaper premiums – Your spouse may cut your premiums when buying insurance. Marriage may mean you are more mature and responsible and insurance companies reward insureds because married couples file fewer claims.
- The higher your credit rating the lower your costs – A driver’s credit score is a big factor in determining what you pay for insurance. Therefore, if your credit history is low, you could potentially save money when insuring your Kia Spectra by repairing your credit. Drivers with excellent credit tend to be better risks to insure than drivers with poor credit.
- Vehicles with better crash test results means lower prices – Cars with high safety ratings can get you lower premiums. Safer cars help reduce the chance of injuries in an accident and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders.
- Insurance costs are higher for high performance vehicles – The make and model of the car, truck or SUV you drive makes a big difference in determining your rates. The cheapest insurance rates are generally reserved for low performance passenger cars, but other factors influence the final cost greatly.
How to find a good Cincinnati auto insurance company
Choosing the best auto insurance company can be challenging considering how many companies sell coverage in Ohio. The company rank data listed below could help you decide which companies you want to consider when shopping your coverage around.
Top 10 Cincinnati Car Insurance Companies by A.M. Best Rank
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Progressive – A+
- Erie Insurance – A+
- The Hartford – A+
- Nationwide – A+
- Esurance – A+
Top 10 Cincinnati Car Insurance Companies Overall
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
More effort can pay off
Lower-priced Kia Spectra insurance in Cincinnati can be purchased on the web in addition to local insurance agencies, so you need to shop Cincinnati auto insurance with both to have the best chance of lowering rates. Some insurance companies do not provide rate quotes online and these smaller providers sell through independent insurance agents.
When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The goal is to get the best coverage possible at the best possible price but still have enough coverage for asset protection.
In this article, we covered quite a bit of information on how to shop for Kia Spectra insurance online. The most important thing to understand is the more companies you get prices for, the better chance you’ll have of finding affordable Kia Spectra insurance quotes. You may even discover the best price on car insurance is with the least-expected company. These companies may cover specific market segments cheaper compared to the large companies like State Farm, GEICO and Nationwide.
Much more information about car insurance in Ohio is located below:
- Keeping Children Safe in Crashes Video (iihs.org)
- What Auto Insurance is Cheapest for a Learners Permit in Cincinnati? (FAQ)
- Who Has the Cheapest Cincinnati Car Insurance Rates for a Ford Explorer? (FAQ)
- Information for Teen Drivers (GEICO)
- Insuring a Leased Car (Insurance Information Institute)