Are you searching for more competitive Lincoln Continental insurance in Cincinnati? Wish you could get out of an overpriced auto insurance policy? It’s quite common and there are many people just like you.
It’s safe to assume that auto insurance companies want to keep you from comparing prices. People who get comparison quotes once a year are highly likely to move their business because there is a good probability of finding a more affordable policy premium. A recent survey revealed that people who shopped around annually saved $3,400 over four years as compared to drivers who never shopped for cheaper rates.
If finding the most affordable Lincoln Continental insurance is why you’re here, then understanding the best way to quote and compare coverages can help simplify the process.
Popular companies such as GEICO, 21st Century and Progressive all promote huge savings with ad campaigns and it can be hard to ignore the propaganda and do the work needed to find the best deal.
If you already have coverage, you will definitely be able to reduce premiums using this strategy. Locating the best rates in Cincinnati can really be easy if you know what you’re doing. Although Ohio vehicle owners benefit from understanding how companies price online insurance and use it to find better rates.
Low Cost companies for Lincoln Continental insurance in Ohio
The providers in the list below offer price quotes in Ohio. In order to find cheap auto insurance in Cincinnati, OH, we recommend you visit several of them to find the most competitive car insurance rates.
Cincinnati insurance discounts for a Lincoln Continental
Car insurance can cost a lot, but there may be some discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied at the time you complete a quote, but some discounts are required to be manually applied before you will receive the discount.
- Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings of up to 25% or more.
- Discount for Good Grades – Getting good grades can get you a discount of up to 25%. You can use this discount normally up until you turn 25.
- Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off with select insurance companies.
- Cincinnati Homeowners Discount – Owning your own home or condo may trigger a policy discount on auto insurance due to the fact that maintaining a home demonstrates responsibility.
- Bundle and Save – If you have multiple policies and insure them with the same company you could save approximately 10% to 15%.
- Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will save you 10% or more on Continental insurance in Cincinnati.
- Organization Discounts – Having an affiliation with a civic or occupational organization in Cincinnati could earn you a nice discount on your next auto insurance statement.
- Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts can save a little on the medical payments or PIP coverage costs.
You can save money using discounts, but most credits do not apply to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. Even though it appears you can get free auto insurance, companies wouldn’t make money that way.
Auto insurance companies that may offer these discounts possibly include:
Double check with all companies you are considering to apply every possible discount. Depending on the company, some discounts might not be available to policyholders in Cincinnati. To view companies who offer auto insurance discounts in Ohio, click here to view.
Informed Consumers Can Cut Their Insurance Rates
Lots of factors are used in the calculation when pricing auto insurance. Some are obvious such as traffic violations, but some are more obscure such as your credit history or your commute time. Smart consumers have a good feel for a few of the rating criteria that go into determining the level of your policy premiums. When consumers understand what controls the rates you pay, this enables informed choices that may reward you with lower rates.
- Do you really need the incidental coverages? – Policies have extra coverages that sound like a good idea at the time if you aren’t careful. Coverage for things like personal injury protection, towing coverage, and Farm Bureau memberships may not be needed and are just wasting money. You may think they are a good idea when buying your policy, but if you have no use for them eliminate the coverages to reduce your premium.
- Insurance prices are higher for high performance vehicles – The type of car or truck you own makes a significant difference in the rate you pay. The lowest premiums are generally reserved for lower cost passenger cars, but there are many factors that impact the final cost.
- Fewer miles means better costs – Driving more miles each year the higher the price you pay to insure it. Most companies charge rates based on how the vehicle is used. Vehicles that do not get driven very much can get a lower rate as compared to vehicles used primarily for driving to work. Incorrect rating for your Continental is throwing money out the window. Ask your agent if your insurance coverage is rated on annual mileage.
- High credit rating translates to low rates – Your credit rating can be a huge factor in determining your rates. People that have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit scores. If your credit rating is low, you could potentially save money when insuring your Lincoln Continental by spending a little time repairing your credit.
- Better premiums on safer cars – Cars with five star safety ratings can get you lower premiums. Safer cars reduce injuries and reduced instances of injuries translates into savings for insurance companies which can result in lower premiums. If the Lincoln Continental scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
- Your job may affect premiums – Did you know your insurance rates can be affected by your occupation? Occupations such as doctors, social workers, and dentists tend to pay higher premium rates attributed to intense work requirements and long work hours. On the flip side, careers like scientists, athletes and retirees get better rates.
- Is your vehicle theft-ready? – Driving a car with anti-theft technology or alarm system can save you a little every year. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
Local Cincinnati car insurance agents
Many people still like to have an agent’s advice and that is a smart decision The biggest benefit of comparing insurance prices online is you may find better rates and still buy from a local agent. Putting coverage with local insurance agencies is definitely important in Cincinnati.
After completing this quick form, your insurance coverage information is sent to local insurance agents in Cincinnati who will give you bids for your business. You won’t even need to do any legwork because prices are sent directly to your email. You can get cheaper car insurance rates and an insurance agent to talk to. If you need to quote rates for a specific company, you can always find their quoting web page and fill out the quote form the provide.
Deciding on an company requires more thought than just the premium amount. Here are some questions to ask:
- What discounts might you be missing?
- When do they do policy reviews?
- Is the agent and/or agency licensed to do business in Ohio?
- Is assistance available after office hours?
- Is insurance their full-time profession?
Persistence will pay off
Cheaper Lincoln Continental insurance in Cincinnati is possible both online and from local insurance agents, so you need to quote Cincinnati car insurance with both in order to have the best price selection to choose from. Some insurance companies don’t offer online quoting and usually these regional carriers only sell through independent agents.
When shopping online for insurance, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice comprehensive coverage or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.
Steps to finding discount Lincoln Continental insurance in Cincinnati
If you want to save the most money, the best way to get the cheapest Lincoln Continental insurance is to start doing an annual price comparison from companies who can sell car insurance in Cincinnati. This can be done by following these guidelines.
- Step 1: Try to learn about the different coverages in a policy and the things you can control to lower rates. Many risk factors that result in higher prices such as inattentive driving and a poor credit rating can be remedied by improving your driving habits or financial responsibility.
- Step 2: Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and State Farm, while agents who are independent can provide rate quotes for a wide range of companies. Click to view companies
- Step 3: Compare the new rates to your existing coverage and determine if there is any savings. If you find a better price and switch companies, make sure there is no lapse in coverage.
- Step 4: Provide notification to your current agent or company of your intention to cancel your existing policy. Submit a down payment and signed policy application to the new company. Once received, place your new certificate verifying proof of insurance in your vehicle’s glove compartment or console.
One thing to point out is to use the same coverage limits and deductibles on every price quote and and to get rate quotes from as many different companies as possible. Doing this provides an accurate price comparison and the best rate selection.
To read more, link through to the articles below:
- Keeping Children Safe in Crashes Video (iihs.org)
- What Insurance is Cheapest for Low Income Drivers in Cincinnati? (FAQ)
- What Insurance is Cheapest for a Ford F-150 in Cincinnati? (FAQ)
- Who Has Affordable Cincinnati Auto Insurance for a Toyota Corolla? (FAQ)
- Senior Drivers (Insurance Information Institute)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)