We don’t have to point out that fact that auto insurance companies don’t want you comparing rates. Drivers who shop around for the cheapest rate will most likely buy a different policy because there is a good probability of finding more affordable rates. A recent survey found that drivers who made a habit of comparing rate quotes saved as much as $3,500 over four years compared to those who don’t regularly compare prices.
If saving the most money on auto insurance in Cincinnati is your ultimate goal, then understanding the best ways to shop for coverage rates can make the process less intimidating.
If you want to save the most money, the best way to get budget Oldsmobile Alero insurance in Cincinnati is to regularly compare quotes from providers in Ohio.
Step 1: Try to comprehend policy coverages and the modifications you can make to prevent expensive coverage. Many rating criteria that result in higher rates like traffic violations and a not-so-good credit score can be improved by making minor changes in your lifestyle. Continue reading for the details to help keep prices low and find overlooked discounts.
Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO and State Farm, while independent agents can give you price quotes from multiple insurance companies.
Step 3: Compare the new quotes to the price on your current policy to determine if you can save on Alero insurance. If you find better rates and buy the policy, make sure coverage does not lapse between policies.
A crucial key to this process is to compare identical deductibles and limits on each quote and and to get quotes from as many auto insurance providers as possible. This enables an accurate price comparison and a complete price analysis.
Finding the cheapest car insurance coverage in Cincinnati seems hard but is not really that difficult. If you have a policy now, you will definitely be able to shop for the lowest rates using these methods. But Ohio drivers must learn the methods companies use to calculate their prices because it varies considerably.
Keep in mind that making a lot of price comparisons helps improve the odds of finding a lower rate.
The companies shown below can provide free quotes in Cincinnati, OH. To get cheap auto insurance in Ohio, it’s a good idea that you get rates from several of them to get the most affordable price.
Companies offer lots of discounts on Oldsmobile Alero insurance in Cincinnati
Some providers do not list their entire list of discounts very clearly, so we break down both the well known and also the more inconspicuous credits available to you.
- Distant Student – College-age children who are enrolled in a college that is more than 100 miles from Cincinnati and do not have a car may be insured at a cheaper rate.
- Student Driver Training – It’s a good idea to have your young drivers enroll in driver’s education as it will make them better drivers and lower rates.
- Seat Belt Discounts – Forcing all vehicle occupants to use a seat belt could save 15% off PIP or medical payments premium.
- E-sign – Some insurance companies give back up to $50 for buying a policy and signing up on the internet.
- Discounts for Responsible Drivers – Drivers who avoid accidents can save up to 40% or more on their Cincinnati car insurance quote than their less cautious counterparts.
- Active Military Service – Being deployed in the military may qualify for rate reductions.
Don’t be surprised that some of the credits will not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comp or med pay. Even though the math looks like you can get free auto insurance, insurance companies wouldn’t stay in business. Any qualifying discounts will help reduce the premium cost.
Popular auto insurance companies and some of their more popular discounts can be found below.
- 21st Century may include discounts for student driver, defensive driver, good student, theft prevention, teen driver, driver training, and air bags.
- State Farm may have discounts that include good student, accident-free, multiple autos, Steer Clear safe driver discount, Drive Safe & Save, multiple policy, and student away at school.
- AAA includes discounts for pay-in-full, anti-theft, good student, multi-policy, and AAA membership discount.
- Liberty Mutual may offer discounts for newly retired, preferred payment discount, safety features, new vehicle discount, multi-car, and exclusive group savings.
- Progressive has savings for good student, homeowner, multi-vehicle, online quote discount, and continuous coverage.
When quoting, ask each company or agent which credits you are entitled to. A few discounts may not apply to policies in Cincinnati. To locate providers with the best discounts in Cincinnati, click here to view.
Best reasons to buy insurance in Ohio
Even though it’s not necessarily cheap to insure an Oldsmobile in Cincinnati, insurance is required by state law in Ohio and it also provides benefits you may not be aware of.
- Almost all states have mandatory insurance requirements which means state laws require a minimum amount of liability insurance if you drive a vehicle. 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.
- If you took out a loan on your Oldsmobile, almost all lenders will make it a condition of the loan that you carry insurance to guarantee loan repayment. If you default on your policy, the bank will be required to insure your Oldsmobile at a much higher premium rate and force you to reimburse them much more than you were paying before.
- Insurance preserves both your assets and your car. It will also provide coverage for all forms of medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay to defend you if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of having insurance more than cancel out the cost, specifically if you ever have a liability claim. But the average American driver is wasting up to $855 a year so compare quotes from several companies at every policy renewal to help ensure money is not being wasted.
Ohio auto insurance companies
Choosing the top insurance provider is hard considering how many companies sell coverage in Ohio. The ranking information below can help you decide which car insurance companies you want to consider comparing rates 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 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%
Your auto insurance coverage should be tailored to you
Always remember that when buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique.
These are some specific questions can aid in determining if you may require specific advice.
- Should I waive the damage coverage when renting a car?
- Are there companies who specialize in insuring high-risk drivers?
- Can good grades get a discount?
- What if I owe more than I can insure my car for?
- Can my babysitter drive my car?
- Do I benefit by insuring my home with the same company?
- Is my custom stereo system covered?
- Am I covered if I hit a deer?
If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form.
Buying from insurance agents
A small number of people just prefer to talk to an insurance agent and often times that is recommended One of the best bonuses of comparing rates online is the fact that drivers can get lower rates but still work with a licensed agent.
After filling out this quick form, your coverage information is submitted to agents in your area that can provide free Cincinnati car insurance quotes for your insurance coverage. It makes it easy because there is no need to find an agent since price quotes are sent to you instantly. You can find better rates without having to waste a lot of time. If you wish to get a rate quote for a specific company, feel free to navigate to their website to submit a rate quote request.
Picking the best provider requires you to look at more than just a cheap price. The questions below may impact your decision as well.
- How much experience to they have in personal lines coverages?
- Is the agent properly licensed in Ohio?
- Do they offer claims assistance after hours?
- Are all drivers listed on the coverage quote?
- Do you qualify for any additional discounts?
- Can you use your own choice of collision repair facility?
- Is the agent CPCU or CIC certified?
- Do they offer rental car reimbursement?
If you want to use an insurance agent, it helps to know the two types of insurance agents and how they can service your needs differently. Car insurance agents in Cincinnati can be categorized as either exclusive or independent.
These type of agents normally can only provide a single company’s rates and some examples include Allstate, AAA, Farmers Insurance, and State Farm. These agents are not able to provide other company’s prices so they have to upsell other benefits. They receive extensive training on sales techniques and that can be a competitive advantage. Consumers often purchase coverage from exclusives mostly because of the brand name and solid financial strength.
Below is a list of exclusive agents in Cincinnati who may provide you with price quote information.
- Beth Wilker – State Farm Insurance Agent
8406 Winton Rd – Cincinnati, OH 45231 – (513) 521-0884 – View Map
- Allstate Insurance: Marianne Geiger
4204 Plainville Rd – Cincinnati, OH 45227 – (513) 808-4811 – View Map
- State Farm: Randy Wagner
1167 8 Mile Rd – Cincinnati, OH 45255 – (513) 474-4100 – View Map
Independent Agents (or Brokers)
Independent insurance agents are normally appointed by many insurers and that gives them the ability to insure with an assortment of companies and get you the best rates possible. If premiums increase, your agent can just switch to a different company and the insured can keep the same agent. When comparing car insurance prices, you will want to compare prices from at least one independent agent to have the most options to choose from. They often place coverage with small regional insurance companies which may provide better rates.
Below are Cincinnati independent insurance agencies that are able to give rate quotes.
- Htt Agency
5879 Cheviot Rd – Cincinnati, OH 45247 – (513) 741-2100 – View Map
- Dabbelt Insurance LLC
5932 Glenway Ave – Cincinnati, OH 45238 – (513) 451-8050 – View Map
- Meissner Insurance Agency
3710 Harrison Ave – Cincinnati, OH 45211 – (513) 661-4426 – View Map
Detailed coverages of your car insurance policy
Knowing the specifics of car insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Med pay and Personal Injury Protection (PIP)
Coverage for medical payments and/or PIP reimburse you for immediate expenses such as rehabilitation expenses, chiropractic care and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible
Auto liability insurance
Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.
Liability insurance covers things such as repair costs for stationary objects, medical services, funeral expenses, bail bonds and structural damage. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford. Ohio requires drivers to carry at least 25/50/25 but you should think about purchasing higher limits.
The chart below shows why buying the state minimum limits may not be high enough to cover claims.
Coverage for collisions
This covers damage to your Alero from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision insurance covers claims like colliding with a tree, backing into a parked car, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your Alero in order to get cheaper collision rates.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Oldsmobile Alero.
Since a lot of drivers carry very low liability coverage limits (Ohio limits are 25/50/25), their limits can quickly be used up. So UM/UIM coverage should not be overlooked.
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like damage from flooding, vandalism and rock chips in glass. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.