Do you want an efficient way to compare lower-priced car insurance rates in Cincinnati, OH? Cincinnati consumers have options when looking for the best price on Lexus NX 300h insurance. You can either spend your time driving around trying to get quotes or leverage the internet to compare rates.
There is a better way to buy car insurance so you’re going to learn the absolute fastest way to price shop coverage on a Lexus and get the lowest possible price from Cincinnati insurance agents and online providers.
A study showed that nearly 70% of Ohio drivers kept buying from the same company for a minimum of four years, and almost 40% of drivers have never quoted rates to find lower-cost coverage. Many drivers in the U.S. could save roughly $859 every year just by getting comparison quotes, but most just don’t grasp the benefits if they bought a different policy.
This article’s goal is to familiarize you with how auto insurance companies operate and also pocket some savings If you’re already insured, you will definitely be able to find the best rates using these methods. Drivers just have to use how to shop for insurance on the web.
The following companies have been selected to offer free quotes in Ohio. If you want to find the best cheap car insurance in OH, it’s highly recommended you visit as many as you can in order to get a fair rate comparison.
Auto insurance is not optional but you don’t have to overpay
Despite the high cost, paying for auto insurance may not be optional for several reasons.
First, most states have mandatory insurance requirements which means state laws require a specific minimum amount of liability coverage in order to be legal. 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 vehicle, it’s most likely the lender will make it a condition of the loan that you have full coverage to guarantee loan repayment. If you do not pay your insurance premiums, the bank may buy a policy for your Lexus at an extremely high rate and require you to fork over for the much more expensive policy.
Third, auto insurance protects both your car and your personal assets. Insurance will pay for medical bills incurred in an accident. Liability insurance also covers legal expenses in the event you are sued. If damage is caused by hail or an accident, comprehensive and collision coverage will cover the repair costs.
The benefits of carrying enough insurance more than offset the price you pay, especially for larger claims. The average driver in Ohio overpays more than $869 every year so it’s recommended you shop around at every renewal to save money.
Discounts for affordable car insurance rates
Car insurance companies do not advertise every possible discount in a way that’s easy to find, so the list below gives a summary of some of the more common and also the more inconspicuous car insurance savings.
- Driver Education Discount – Require your teen driver to participate in a local driver’s education class as it will make them better drivers and lower rates.
- Pay Early and Save – If you can afford to pay the entire bill instead of making monthly payments you can avoid monthly service charges.
- Discounts for Responsible Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates compared to accident prone drivers.
- Renewal Discounts – A few insurance companies offer discounts for switching policies before your current coverage expires. It’s a savings of about 10%.
- Paperless Signup – Certain insurance companies give back up to $50 get Cincinnati auto insurance digitally online.
- Include Life Insurance and Save – Some insurance carriers give better prices if you take out life insurance from them.
- Distant Student – Any of your kids who attend college more than 100 miles from Cincinnati and won’t have access to an insured vehicle could qualify for this discount.
- No Charge for an Accident – Not a discount per se, but some insurance companies will forgive one accident before they charge you more for coverage so long as you haven’t had any claims prior to the accident.
- Student Discounts – Being a good student could provide a savings of up to 20% or more. You can use this discount normally up to age 25.
You can save money using discounts, but some credits don’t apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way.
The best car insurance companies and the discounts they provide are shown below.
- GEICO may offer discounts for air bags, federal employee, military active duty, multi-vehicle, anti-theft, good student, and seat belt use.
- USAA has discounts for multi-policy, new vehicle, defensive driver, multi-vehicle, driver training, and safe driver.
- Progressive offers premium reductions for good student, homeowner, online signing, online quote discount, multi-policy, and multi-vehicle.
- American Family discounts include defensive driver, TimeAway discount, early bird, multi-vehicle, Steer into Savings, and good student.
- Esurance includes discounts for homeowner, claim free, emergency road assistance, paid-in-full, and anti-theft.
- Farmers Insurance may have discounts that include electronic funds transfer, teen driver, switch companies, homeowner, business and professional, and good student.
- State Farm offers discounts including anti-theft, good student, multiple autos, good driver, and Drive Safe & Save.
If you want low cost Cincinnati auto insurance quotes, ask every company which discounts can lower your rates. Some credits might not be offered on policies in Cincinnati. For a list of companies with discount rates in Ohio, click here.
Do I just need basic coverages?
When it comes to buying coverage online or from an agent, there really isn’t a single plan that fits everyone. Everyone’s needs are different.
For instance, these questions could help you determine whether you would benefit from professional advice.
- Will I be non-renewed for getting a DUI or other conviction?
- Who is covered when they drive my Lexus NX 300h?
- Is my custom paint covered by insurance?
- When does my teenage driver need to be added to my policy?
- Should I have combined single limit or split liability limits?
- What is an umbrella policy?
- Is my Lexus NX 300h covered for flood damage?
- What does PIP insurance cover?
- What does medical payments cover?
- Why do I only qualify for high-risk insurance?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.
Car insurance companies ranked
Finding a highly-rated insurance company can be difficult considering how many companies sell insurance in Ohio. The ranking data listed below can help you pick which car insurance companies you want to consider to insure your vehicles.
Top 10 Cincinnati Car Insurance Companies Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- GEICO
- AAA Insurance
- Safeco Insurance
- Esurance
- The General
Top 10 Cincinnati Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- Allstate
- 21st Century
- Travelers