The easiest way to find lower priced car insurance rates is to start comparing rates regularly from companies who provide car insurance in Cincinnati.
- Step 1: It will benefit you to learn about what is in your policy and the things you can change to drop your rates. Many risk factors that cause rate increases such as at-fault accidents and a less-than-favorable credit history can be rectified by being financially responsible and driving safely.
- Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like GEICO and Allstate, while independent agencies can provide prices from multiple companies.
- Step 3: Compare the quotes to your existing policy to determine if switching companies saves money. If you can save some money, make sure coverage does not lapse between policies.
- Step 4: Notify your current company of your intent to cancel your existing policy. Submit a completed policy application and payment for your new coverage. Once the paperwork is finalized, safely store the certificate verifying proof of insurance in an easily accessible location in your vehicle.
One key aspect when comparing rates is that you use similar deductibles and liability limits on every quote and and to get price quotes from as many companies as possible. Doing this ensures a fair price comparison and a thorough price selection.
We don’t have to point out that fact that auto insurance companies want to keep your business as long as possible. Insureds who shop around for cheaper price quotes are very likely to switch auto insurance companies because they stand a good chance of finding discount prices. A recent auto insurance study discovered that people who make a habit of shopping around saved over $850 each year as compared to drivers who didn’t regularly shop around.
If finding the lowest rates on insurance in Cincinnati is your objective, then having an understanding of how to quote prices and compare insurance rates can make it easier to shop your coverage around.
The companies shown below provide price quotes in Ohio. If you want the cheapest auto insurance in Cincinnati, it’s highly recommended you click on several of them in order to get a fair rate comparison.
Get cheaper rates with discounts
Car insurance companies don’t necessarily list all their discounts very well, so the list below gives a summary of a few of the more well known as well as some of the hidden credits available to bring down your rates.
- Use Seat Belts – Requiring all passengers to use their safety belts can save up to 15% off PIP or medical payments premium.
- Student Discount for Driver Training – Require your teen driver to take driver’s ed class as it will make them better drivers and lower rates.
- Theft Prevention System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and will save you 10% or more on Titan insurance in Cincinnati.
- Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts of up to 25% or more.
- Multiple Cars – Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
- Claim Free – Insureds with no claims or accidents are rewarded with significantly better rates on Cincinnati car insurance quote compared to frequent claim filers.
- Organization Discounts – Having an affiliation with a civic or occupational organization in Cincinnati is a simple method to lower premiums on insurance.
As a sidenote, most discount credits are not given to the entire cost. Most cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.
The information below shows the comparison of Nissan Titan insurance premiums with and without discounts applied. The data assumes a female driver, no accidents or driving violations, Ohio state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, homeowner, multi-policy, and marriage discounts applied.
A list of companies and a partial list of their discounts are:
- State Farm has savings for defensive driving training, anti-theft, multiple policy, Steer Clear safe driver discount, student away at school, and driver’s education.
- GEICO policyholders can earn discounts including emergency military deployment, daytime running lights, good student, federal employee, and defensive driver.
- Progressive may have discounts that include online quote discount, multi-vehicle, continuous coverage, online signing, good student, homeowner, and multi-policy.
- 21st Century includes discounts for early bird, air bags, homeowners, 55 and older, and defensive driver.
- American Family may offer discounts for TimeAway discount, multi-vehicle, good student, bundled insurance, good driver, and air bags.
- The Hartford offers premium reductions for driver training, air bag, vehicle fuel type, anti-theft, good student, defensive driver, and bundle.
- AAA offers discounts for anti-theft, multi-car, AAA membership discount, good student, and good driver.
Before buying, ask every prospective company to apply every possible discount. Some discounts listed above may not apply to policies everywhere. To see a list of insurers offering insurance discounts in Ohio, click here.
Rates and other information
The coverage table shown below showcases estimates of coverage prices for Nissan Titan models. Having knowledge of how car insurance prices are formulated can help drivers make informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Titan XE King Cab 4WD||$110||$198||$214||$12||$64||$598||$50|
|Titan XE King Cab 2WD||$124||$198||$266||$16||$80||$684||$57|
|Titan XE Crew Cab 4WD||$124||$198||$214||$12||$64||$612||$51|
|Titan SE King Cab 4WD||$124||$198||$214||$12||$64||$612||$51|
|Titan XE Crew Cab 2WD||$124||$198||$266||$16||$80||$684||$57|
|Titan SE King Cab 2WD||$124||$198||$266||$16||$80||$684||$57|
|Titan SE Crew Cab 4WD||$124||$234||$214||$12||$64||$648||$54|
|Titan Pro-4X King Cab 4WD||$124||$234||$214||$12||$64||$648||$54|
|Titan SE Crew Cab 2WD||$124||$234||$266||$16||$80||$720||$60|
|Titan Pro-4X Crew Cab 4WD||$124||$234||$214||$12||$64||$648||$54|
|Titan LE Crew Cab 4WD||$124||$234||$214||$12||$64||$648||$54|
|Titan LE Crew Cab 2WD||$138||$234||$266||$16||$80||$734||$61|
|Get Your Own Custom Quote Go|
Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Prices do not factor in specific zip code location which can lower or raise prices significantly.
The information below shows how choosing a deductible and can influence Nissan Titan insurance premiums for different age categories. The premiums assume a married male driver, full coverage, and no additional discounts are factored in.
What is the best car insurance company in Ohio?
Picking the right insurance company can be difficult considering how many different companies insure vehicles in Cincinnati. The rank data in the next section could help you decide which auto insurers you want to consider when comparing rate quotes.
Top 10 Cincinnati Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 92%
- Erie Insurance – 88%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
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+
How to Lower Your Insurance Premiums
Lots of factors are part of the calculation when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but other factors are less obvious like where you live or your vehicle rating.
Listed below are some of the things used by insurance companies to determine rates.
High performance vehicles cost more to insure – The make and model of the car, truck or SUV you drive makes a huge difference in determining your rates. Low performance passenger cars generally have the cheapest insurance rates, but that’s not the only thing that factors into the final price.
The following chart uses these variables: married female driver age 20, full coverage with $500 deductibles, and no discounts or violations. The data compares Nissan Titan insurance rates compared to other makes and models that have a range of performance risks.
Never let your policy expire – Allowing your auto insurance policy to lapse will be a guaranteed way to bump up your auto insurance costs. In addition to paying higher premiums, the inability to provide proof of insurance might get you a fine, jail time, or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with the Ohio department of motor vehicles.
Teenagers vs. older drivers – Youthful drivers in Ohio are statistically shown to be inattentive and easily distracted when driving with friends therefore auto insurance rates are much higher. Mature drivers tend to be more responsible, tend to cause fewer accidents, and are generally more financially stable.
The next chart assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.
Better auto insurance rates with anti-theft devices – Choosing a vehicle with advanced anti-theft systems can help lower your premiums. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
How many coverages with the same company – The majority of companies will award discounts to people that buy multiple policies. It’s known as a multi-policy discount. Discounts can add up to as much as ten percent or more Even if you qualify for this discount already, you still need to check prices from other companies to make sure you are getting the best deal.
Cars with good safety ratings save money – Safe vehicles cost less to insure. Safer cars reduce injuries and lower rates of occupant injuries means less claims paid and lower rates for you.
Your vocation and auto insurance rates – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as doctors, police officers, and stock brokers usually pay the highest average rates due to high stress and extremely grueling work hours. On the other hand, occupations such as professors, historians and the unemployed pay the least.
Nissan Titan statistical loss data – Car insurance companies use data from past claims as a tool for profitable underwriting. Vehicles that historically have a trend towards higher claim severity or frequency will have higher premium rates. The table below outlines the compiled insurance loss statistics for Nissan Titan vehicles.
For each coverage type, the loss probability for all vehicles, as a total average, is equal to 100. Numbers shown that are under 100 suggest a better than average loss history, while percentages above 100 show a trend for more claims or an increased probability of a larger loss.
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Nissan Titan Crew Cab 2WD||95||127||120|
|Nissan Titan Crew Cab 4WD||95||137||109||77||99||108|
|Nissan Titan Ext Cab 2WD||117||111|
|Nissan Titan Ext Cab 4WD||106||107|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years