A recent survey discovered that nearly 70% of customers have stayed with the same insurance company for over three years, and virtually 40% of consumers have never compared rate quotes at all. U.S. insurance shoppers could save $859 a year just by getting comparison quotes, but most tend to underestimate the amount of savings they would get if they replace their high priced policy.
Really, the only way to find affordable quotes for car insurance rates in Cincinnati is to begin comparing prices regularly from different companies that sell auto insurance in Ohio.
- Spend a few minutes and learn about what coverages are included in your policy and the changes you can make to keep rates low. Many rating factors that cause rate increases like speeding tickets, accidents and a poor credit score can be amended by making minor changes in your lifestyle. Read the full article for ideas to help find cheaper rates and find possible discounts that are available.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from one company like GEICO and Allstate, while independent agents can quote rates for a wide range of companies. Begin your rate comparison
- Compare the new quotes to your current policy to see if you can save by switching companies. If you can save some money, make sure coverage is continuous and does not lapse.
- Give proper notification to your current agent or company to cancel your current policy and submit any necessary down payment along with the completed application to your new company or agent. Make sure you safely store the certificate verifying proof of insurance in a readily accessible location in your vehicle.
A good tip to remember is that you’ll want to make sure you compare the same deductibles and limits on each price quote and and to get quotes from as many auto insurance providers as possible. This enables a level playing field and the best price quote selection.
Just remember that comparing more quotes will improve the odds of getting the best price. Not every company does online rate quotes, so you need to compare price estimates from them, too.
The companies shown below provide free quotes in Cincinnati, OH. To get the best cheap car insurance in Ohio, we recommend you get price quotes from several of them in order to find the most competitive rates.
Auto insurance policy discounts you can’t miss
Auto insurance is neither fun to buy or cheap, but there could be available discounts that many consumers don’t even know exist. A few discounts will automatically apply when you quote, but a few must be asked for before you will receive the discount. If they aren’t giving you every credit you qualify for, you are throwing money away.
- No Claim Discounts – Drivers who don’t have accidents pay less when compared with insureds who have frequent claims or accidents.
- Good Driver Discount – Drivers who avoid accidents can pay as much as 50% less compared to accident prone drivers.
- Federal Employees – Active or retired federal employment may qualify for a discount when you quote Cincinnati auto insurance with a few auto insurance companies.
- Multi-line Discount – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
- Club Memberships – Joining a qualifying organization may earn a discount when shopping for auto insurance.
- Student Discounts – A discount for being a good student could provide a savings of up to 20% or more. The good student discount can last up until you turn 25.
- ABS and Traction Control Discounts – Cars and trucks with anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
- Discount for Passive Restraints – Cars that have air bags or motorized seat belts can receive discounts of 25 to 30%.
- New Car Discount – Buying a new car model can save up to 30% because newer vehicles have to meet stringent safety requirements.
- Accident Waiver – Not a discount per se, but a few companies such as GEICO, Progressive, and Allstate will forgive one accident without getting socked with a rate hike if you are claim-free for a set time period.
As is typical with insurance, most of the big mark downs will not be given to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you could get a free auto insurance policy, it just doesn’t work that way.
Popular auto insurance companies and a summarized list of policyholder discounts can be found below.
- State Farm may have discounts that include good student, passive restraint, multiple autos, multiple policy, and good driver.
- GEICO offers discounts including defensive driver, driver training, multi-vehicle, seat belt use, and federal employee.
- Progressive includes discounts for multi-policy, homeowner, continuous coverage, online quote discount, good student, multi-vehicle, and online signing.
- 21st Century has savings for air bags, anti-lock brakes, teen driver, driver training, 55 and older, and student driver.
- American Family has discounts for Steer into Savings, early bird, good student, air bags, and bundled insurance.
- The Hartford policyholders can earn discounts including driver training, vehicle fuel type, anti-theft, defensive driver, bundle, and air bag.
- AAA discounts include multi-car, education and occupation, AAA membership discount, multi-policy, anti-theft, good driver, and pay-in-full.
Check with every insurance company how you can save money. Depending on the company, some discounts may not be offered in Cincinnati. If you would like to view providers offering auto insurance discounts in Ohio, follow this link.
Auto insurance protects more than just your car
Even though it’s not necessarily cheap to insure a Pontiac in Cincinnati, insurance may be mandatory for several reasons.
- The majority of states have mandatory liability insurance requirements which means the state requires a specific minimum amount of liability insurance coverage in order to drive the car. 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 have a lien on your Pontiac, most lenders will force you to have insurance to guarantee their interest in the vehicle. If you let the policy lapse, the bank will be required to insure your Pontiac at an extremely high rate and force you to reimburse them the higher premium.
- Auto insurance protects both your car and your personal assets. It will also cover medical bills for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your policy will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance definitely exceed the cost, particularly when you have a large claim. Today the average American driver overpays as much as $700 annually so shop around every year to ensure rates are competitive.
Which auto insurance company is best in Cincinnati?
Insuring your vehicle with a good quality insurance company is hard considering how many companies there are in Ohio. The ranking data listed below could help you select which companies you want to consider when shopping around.
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 Ranked by Customer Service
- Nationwide
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Travelers
- Liberty Mutual
- GEICO
- Erie Insurance
- Allstate
How much auto insurance do I need?
When it comes to buying coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.
These are some specific questions can aid in determining whether you might need an agent’s assistance.
- Will damage be repaired with OEM parts?
- Will my rates increase for filing one claim?
- Is my teen driver covered when they drive my company car?
- How much can I save by bundling my policies?
- Should I get collision insurance on every vehicle?
- Is there coverage for injuries to my pets?
If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.
When should I contact an insurance agent?
Many people would rather get professional advice from a licensed agent and that is a personal choice. The best thing about comparing car insurance online is you may find the lowest rates and also buy local. Buying from small agencies is especially important in Cincinnati.
To help locate an agent, after submitting this short form, your coverage information is submitted to agents in your area that can give you free Cincinnati auto insurance quotes for your business. You never need to leave your house because prices are sent to your email. You can most likely find cheaper rates and a licensed agent to work with. If you have a need to compare prices from a specific company, just visit that company’s website and give them your coverage information.
Deciding on an provider needs to be determined by more than just a low price. Here are some questions to ask:
- Who are their largest clients?
- Can you contact them at any time?
- How often do they review policy coverages?
- Are they giving you every discount you deserve?
- Is their price quote a firm figure or are their hidden costs?
- Will a damage claim use OEM or aftermarket replacement parts?