If you want to save money, the best way to find cheaper auto insurance rates is to start comparing prices regularly from insurance carriers who sell insurance in Cincinnati.
- Take a little time to learn about how companies set rates and the factors you can control to prevent expensive coverage. Many rating factors that cause rate increases like multiple speeding tickets and poor credit can be amended by making minor driving habit or lifestyle changes. Keep reading for tips to lower rates and find possible discounts that are available.
- Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from one company like GEICO or State Farm, while independent agents can provide prices for many different companies. View a list of agents
- Compare the new rate quotes to your existing rates and see if there is a cheaper rate. If you find a lower rate quote and make a switch, make sure coverage is continuous and does not lapse.
- Give proper notification to your current agent or company to cancel your existing policy and submit payment and a signed application to your new agent or company. Once the application is submitted, store the proof of insurance certificate along with your vehicle registration.
The most important part of shopping around is to try to use identical coverage information on every quote and and to get rates from every insurance company. This helps ensure a fair rate comparison and the best price selection.
It goes without saying that insurance companies don’t want their policyholders to compare prices. Consumers who compare other rates are likely to switch auto insurance companies because there is a significant possibility of finding a lower-cost company. Remarkably, a study showed that drivers who compared rates regularly saved approximately $3,450 over four years compared to those who never compared rates.
If finding budget-friendly rates on auto insurance in Cincinnati is your objective, then learning a little about the best ways to shop for coverages can save time and make the process easier.
Choosing the best rates in Cincinnati is actually not that difficult if you follow our advice. If you have a policy now or just want to save money, you can learn to lower your rates and still have adequate protection. You just have to know the most effective way to shop their coverage around from many different companies.
Companies offering Nissan cube insurance in Cincinnati
The companies in the list below are our best choices to provide price quotes in Ohio. If you want the best cheap car insurance in Cincinnati, it’s a good idea that you visit several of them to find the most competitive car insurance rates.
Rates and data analysis
The rate information displayed below showcases a range of insurance rates for Nissan cube models. Having a good understanding how insurance prices are determined can help guide drivers when making smart choices when choosing a car insurance company.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Cube S 2WD||$140||$226||$274||$16||$82||$738||$62|
|Cube SL 2WD||$140||$274||$274||$16||$82||$786||$66|
|Cube Krom 2WD||$158||$322||$274||$16||$82||$852||$71|
|Get Your Own Custom Quote Go|
Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Prices do not factor in specific Cincinnati garaging location which can influence insurance rates noticeably.
Rate increases following a ticket or accident
The illustration below shows how violations and accident claims can drive up Nissan cube insurance costs for different age groups. The information is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
Does it make sense to buy full coverage?
The chart below illustrates the comparison of Nissan cube car insurance rates with full physical damage coverage and with liability coverage only. The rates are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are applied to the premium.
Guidelines for eliminating full coverage
There isn’t a written rule that works best for making the decision to drop full coverage, but there is a general guideline. If the annual cost of having full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Nissan cube book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $3,000 after paying your policy deductible. If it’s costing in excess of $300 a year to have full coverage, then you might consider buying liability only.
There are some scenarios where eliminating full coverage is not a good plan. If you still have a lienholder on your title, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not remove full coverage.
Affordable Nissan cube insurance quotes in Cincinnati
Not many people think insurance is cheap, but you might already qualify for some discounts that may help make it more affordable. A few discounts will be applied at the time of purchase, but a few must be specifically requested prior to receiving the credit.
- No Claim Discounts – Insureds who avoid accidents and claims pay much less in comparison with drivers with a long claim history.
- Organization Discounts – Belonging to qualifying employment or professional organizations can get you a small discount when getting a Cincinnati car insurance quote.
- ABS and Traction Control Discounts – Cars that have anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
- Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts could save 15% on the premium charged for medical payments and/or PIP.
- New Car Discount – Buying a new car instead of a used cube can save you some money due to better safety requirements for new vehicles.
- Fewer Miles Equal More Savings – Low annual miles may allow you to get lower prices on the low mileage vehicles.
As a disclaimer on discounts, most discount credits are not given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, you aren’t that lucky.
The information below compares Nissan cube auto insurance costs with and without discounts applied to the premium. The costs are based on a female driver, a clean driving record, no claims, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, homeowner, multi-car, and claim-free discounts applied.
If you would like to choose from a list of car insurance companies who offer online Nissan cube insurance quotes in Ohio, click here to view.
Shop online but buy locally
Some consumers still prefer to sit down and talk to an agent and that is just fine! Licensed agents can help determine the best coverages and will help you if you have claims. One of the benefits of getting free rate quotes online is you may find cheap auto insurance rates and still have a local agent.
To find an agent, once you fill out this simple form, your insurance data is transmitted to insurance agents in Cincinnati that provide free Cincinnati car insurance quotes for your business. There is no need to contact an agency because prices are sent directly to you. If you wish to get a rate quote for a specific company, feel free to search and find their rate quote page and complete a quote there.
Finding the right company is decision based upon more than just a cheap price. A good agent in Cincinnati will have answers to these questions.
- Do they prorate repair cost based on vehicle mileage?
- What company do they have the most business with?
- How are claims handled?
- Can you use your own choice of collision repair facility?
- If independent agents, which companies do they recommend?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
Two types of Cincinnati car insurance agents
If you need to find a local Cincinnati insurance agent, it’s important to understand the types of insurance agents and how they are distinctly different. Auto insurance agencies are considered either exclusive or independent (non-exclusive). Both types of agents can insure your vehicles, but it’s good to learn how they are different since it may influence your agent selection.
Exclusive Insurance Agents
Agents that elect to be exclusive can only quote rates from one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. These agents are unable to compare other company’s rates so you might not find the best rates. Exclusive agencies receive a lot of sales training on their products and sales techniques which can be an advantage. Some insured continue to buy from exclusive agents mostly because of the prominent brand name and solid financial strength.
Shown below is a short list of exclusive insurance agencies in Cincinnati that can give you price quote information.
- Bob Donnelly – State Farm Insurance Agent
2063 Beechmont Ave – Cincinnati, OH 45230 – (513) 231-4975 – View Map
- Dianne Michael – Allstate Insurance Agent
5062 Delhi Ave – Cincinnati, OH 45238 – (513) 451-8700 – View Map
- GEICO Insurance Agent
4081 E Galbraith Rd #1b – Cincinnati, OH 45236 – (513) 794-3426 – View Map
Independent Auto Insurance Agencies
Agents that elect to be independent are normally appointed by many insurers so they can quote policies through lots of different companies enabling the ability to shop coverage around. If prices rise, they can switch companies in-house which makes it simple for you. If you are trying to find cheaper rates, we highly recommend that you include a few independent agents for maximum quote selection. A lot of them also have access to small regional insurance companies which could offer lower prices.
Listed below are Cincinnati independent insurance agencies who can help you get rate quotes.
- Dempsey and Siders Insurance Agency
6725 Miami Ave #102 – Cincinnati, OH 45243 – (513) 891-4400 – View Map
- Advantage Insurance Network LLC
4739 Delhi Ave – Cincinnati, OH 45238 – (513) 922-9460 – View Map
- Kinker-Eveleigh Insurance Agency
7750 Montgomery Rd – Cincinnati, OH 45236 – (513) 891-6615 – View Map
How to find a good Ohio car insurance company
Finding a highly-rated car insurance provider can be difficult considering how many choices drivers have in Cincinnati. The company information shown next may help you analyze which providers you want to consider comparing price quotes from.
Top 10 Cincinnati Car Insurance Companies Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- The General
Top 10 Cincinnati Car Insurance Companies Ranked by Value
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- 21st Century
Car insurance policy specifics
Understanding the coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.
Auto liability – Liability coverage can cover damage that occurs to other people or property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.
Liability coverage pays for things such as medical expenses, emergency aid and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible. Ohio requires drivers to carry at least 25/50/25 but it’s recommended drivers buy better liability coverage.
The chart below demonstrates why low liability limits may not be enough coverage.
Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for bills for pain medications, EMT expenses and nursing services. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
Collision coverage – This will pay to fix damage to your cube caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as crashing into a ditch, sustaining damage from a pot hole, hitting a parking meter, colliding with a tree and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to choose a higher deductible on your cube to bring the cost down.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Since many Ohio drivers have only the minimum liability required by law (Ohio limits are 25/50/25), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as vandalism, damage from flooding, hail damage and rock chips in glass. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Persistence will pay off
Insureds switch companies for any number of reasons including unfair underwriting practices, an unsatisfactory settlement offer, not issuing a premium refund or even lack of trust in their agent. Regardless of your reason, finding a new company is not as difficult as it may seem.
As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.
We just showed you many tips how you can get a better price on Nissan cube insurance in Cincinnati. The key concept to understand is the more quotes you get, the better chance you’ll have of finding inexpensive Cincinnati car insurance quotes. Drivers may even discover the lowest priced auto insurance comes from a smaller regional carrier.
Helpful learning opportunities
- How to shop for a safer car (Insurance Institute for Highway Safety)
- How Much is Car Insurance for a Jeep Grand Cherokee in Cincinnati? (FAQ)
- Who Has Cheap Cincinnati Auto Insurance for Teenage Males? (FAQ)
- Booster Seat Ratings (iihs.org)
- What is Covered by GAP Insurance? (Allstate)
- Child Safety FAQ (iihs.org)
- Event Data Recorders FAQ (iihs.org)