How to Get Lower Car Insurance Rates in Cincinnati

A recent study showed that 70% of consumers have bought car insurance from the same company for four years or more, and 38% of drivers have never taken the time to shop around. With the average car insurance premium being $1,847, American drivers could save roughly 46.5% a year, but they just feel it’s too hard to find cheaper insurance by shopping around.

If saving the most money is your goal, then the best way to find low-cost prices for car insurance prices is to do an annual price comparison from insurance carriers who can sell car insurance in Cincinnati. You can compare prices by following these guidelines.

One key aspect of rate comparisons is to compare the same coverage limits and deductibles on each quote and and to get price estimates from as many companies as feasibly possible. This provides the most accurate price comparison and a thorough price selection.

If you have a current insurance policy or are looking for a new policy, use these tips to buy cheaper insurance and still have adequate protection. Locating the most cost-effective insurance policy in Cincinnati is really not that difficult. Smart shoppers just have to learn the fastest way to buy insurance from many different companies online.

How to buy car insurance in Cincinnati

Many insurance companies like 21st Century, Allstate and State Farm allow consumers to get coverage price quotes direct online. This process doesn’t take a lot of time as you simply type in the amount of coverage you want into the form. After you submit the form their quoting system makes automated requests for information on your driving record and credit history and generates a price determined by many factors. The ability to get online quotes simplifies rate comparisons, and it’s also necessary to get many rate quotes if you are searching for lower-cost car insurance pricing.

In order to find out if lower rates are available, take a look at the companies shown below. To compare your current rates, we recommend that you enter your coverages just like they are on your policy. Doing this assures you will have rate comparison quotes for similar coverage.

The companies shown below provide quotes in Cincinnati, OH. If your goal is 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.

Car Insurance Rates for Popular Vehicles in Cincinnati
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Malibu Hybrid $786 $393 $66
Chevrolet Silverado Crew Cab Hybrid 4WD $920 $460 $77
Dodge Ram Quad Cab Laramie 2WD $918 $459 $77
Ford Escape XLT 4WD $684 $342 $57
Ford Explorer Limited 4WD $804 $402 $67
Ford F-150 Lariat Super Cab 2WD $804 $402 $67
Ford Focus SES 4-Dr Sedan $816 $408 $68
Honda Accord EX-L 2-Dr Coupe $900 $450 $75
Honda CR-V EX 2WD $666 $333 $56
Honda Civic SI 4-Dr Sedan $884 $442 $74
Honda Odyssey EX-L $834 $417 $70
Hyundai Elantra Blue 4-Dr Sedan $816 $408 $68
Hyundai Sonata SE 4-Dr Sedan $882 $441 $74
Mazda 3 S Sport 4-Dr Hatchback $852 $426 $71
Nissan Altima 2.5 4-Dr Sedan $786 $393 $66
Toyota Camry Hybrid $900 $450 $75
Toyota Corolla XRS $852 $426 $71
Toyota Prius $750 $375 $63
Get Rate Quotes for Your Vehicle Go

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate information does not factor in zip code location which can raise or lower auto insurance rates substantially.

Compare prices but buy from a local Cincinnati insurance agent

Some consumers prefer to get professional advice from a licensed agent and that is just fine! Professional insurance agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of getting free rate quotes online is that you can obtain lower rates and also buy local. Buying from local agents is definitely important in Cincinnati.

Insurance agency in CincinnatiTo make it easy to find an agent, after completing this short form, your information is immediately sent to local insurance agents who will return price quotes for your business. It simplifies rate comparisons since you won’t have to contact any agents since price quotes are sent immediately to your email address. If you have a need to quote rates from a specific company, you just need to find their quoting web page and fill out their quote form.

If you would like to find a local agent, you must know there are a couple types of agencies and how they function. Insurance agencies can be classified as either exclusive or independent agents depending on their company appointments. Both can handle insurance, but it’s a good idea to understand the differences since it could factor into the kind of agent you use.

Independent Insurance Agents (or Brokers)

These agents are not limited to a single company and that gives them the ability to insure with an assortment of companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply switch companies in-house and you can keep the same agent.

When comparing rates, we recommend you compare prices from multiple independent agents so that you can do a thorough price comparison.

Shown below is a list of independent agents in Cincinnati that can possibly get you free insurance quotes.

7520 Montgomery Rd # 2Cincinnati, OH 45236(513) 791-6060View Map

7249 Beechmont AveCincinnati, OH 45230(513) 624-0900View Map

6725 Miami Ave #102Cincinnati, OH 45243(513) 891-4400View Map

View more Cincinnati agents

Exclusive Insurance Agencies

These type of agents can only write with one company like State Farm, Allstate and AAA. These agents are not able to place coverage with different providers so keep that in mind. Exclusive insurance agents are highly trained on their products and sales techniques and that enables them to sell even at higher rates.

Listed below are Cincinnati exclusive insurance agencies that are able to give rate quotes.

882 Ohio PikeCincinnati, OH 45245(513) 752-2144View Map

3011 W Galbraith RoadCincinnati, OH 45239(513) 931-9292View Map

4204 Plainville RdCincinnati, OH 45227(513) 808-4811View Map

View more Cincinnati agents

Finding a good car insurance agent should include more criteria than just the quoted price. A good agent in Cincinnati will have answers to these questions.

Car insurance claims by make and model

Which vehicles statistically have few claims? The following claim statistics show the worst and best manufacturer models for likelihood of having to file claims organized by coverage.

Collision Coverage Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Ford F-250 SuperCab Audi RS7
GMC Canyon Ferrari 458
Nissan Xterra Bently Continental GTC
Smart ForTwo Bently Continental GT
Jeep Wrangler Maserati Granturismo
Ford Edge BMW M6

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Car Insurance Liability Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Subaru Outback Chevrolet Cruze
Subaru Forester Mitsubishi Lancer
Mercedes-Benz SL Class Chrysler 200
Audi A6 Mitsubishi Mirage
Fiat 500 Chevrolet Sonic
Chevrolet Corvette Chevrolet Impala

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Coverage Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Infiniti QX50 Porsche Panamera GTS
Volvo V60 Maserati Quattroporte
Smart ForTwo Maserati Granturismo
Nissan Leaf Bentley Continental GT
Chevy Silverado 2500 BMW M6
Nissan Xterra Audi S7

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 2500 Chrysler 200
Audi A4 Allroad Nissan Sentra
Chevrolet Corvette Hyundai Accent
Chevrolet Silverado 3500 Kia Forte
Tesla Model S Chevrolet Sonic
Ford F-350 SuperCrew Chevrolet Spark

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years