Sad but true, the majority of drivers have stayed with the same insurance company for at least the last four years, and nearly the majority have never taken the time to shop around. With the average auto insurance premium being $1,847, American drivers could save 46.5% a year by just shopping around, but they think it’s difficult to do a rate comparison.
If you want to find the absolute lowest rates, then the best way to find better pricing on auto insurance rates in Cincinnati is to start comparing prices regularly from insurance carriers that insure vehicles in Ohio.
- Step 1: Try to learn about coverages and the steps you can take to prevent expensive coverage. Many things that drive up the price like speeding and a not-so-good credit history can be eliminated by paying attention to minor details. Read the full article for information to find cheap prices and find available discounts that you may qualify for.
- Step 2: Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive and State Farm, while independent agencies can quote prices from multiple sources.
- Step 3: Compare the new rates to your existing rates and see if you can save money. If you find a better price and make a switch, ensure coverage does not lapse between policies.
- Step 4: Give notification to your current company to cancel your current auto insurance policy and submit a down payment along with a completed application to the new company. Once coverage is bound, safely store the proof of insurance paperwork above your visor, in the console, or in the glove compartment.
An important part of this process is to use the same level of coverage on each quote request and and to get price estimates from as many different companies as possible. This ensures a level playing field and a thorough selection of prices.
If you are already insured or just want a better rate, use these cost-cutting techniques to shop for the lowest rates without reducing coverage. Locating the best insurance company for you in Cincinnati can be easy if you know a few tricks. Smart buyers just need to understand the fastest way to find the lowest price from multiple carriers.
Lower-cost Cincinnati insurance rates with discounts
Insurance can cost an arm and a leg, but companies offer discounts that may help make it more affordable. Certain credits will be shown when you quote, but a few must be inquired about prior to getting the savings.
- Safe Driver Discount – Insureds who avoid accidents can save as much as half off their rates compared to rates paid by drivers with frequent claims.
- Memberships – Having an affiliation with a professional or civic organization could trigger savings when shopping for insurance.
- No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on Cincinnati car insurance quote in comparison to accident-prone drivers.
- Government Employee Discount – Active or former government employment can earn a discount up to 10% depending on your insurance provider.
- Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and therefore earn up to a 10% discount.
- Discount for Low Mileage – Keeping the miles down on your Buick can earn better prices on cars that stay parked.
- Accident Forgiveness – Not really a discount, but certain companies will allow you to have one accident without the usual rate increase if your claims history is clear for a set time period.
- Military Deployment Discount – Having an actively deployed family member may qualify for rate reductions.
While discounts sound great, it’s important to understand that some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like comp or med pay. Even though it appears you could get a free insurance policy, insurance companies wouldn’t stay in business.
The example below visualizes the comparison of Buick Lucerne auto insurance rates with and without policy discounts. The prices are based on a female driver, no violations or accidents, Ohio state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, safe-driver, claim-free, and multi-car discounts applied.
Companies and a summarized list of policyholder discounts are shown below.
- Progressive may include discounts for homeowner, online signing, online quote discount, continuous coverage, and multi-policy.
- SAFECO offers discounts including accident prevention training, multi-car, bundle discounts, teen safety rewards, and anti-theft.
- American Family includes discounts for air bags, good student, TimeAway discount, accident-free, and bundled insurance.
- MetLife offers discounts for accident-free, multi-policy, good student, claim-free, good driver, defensive driver
- GEICO offers premium reductions for membership and employees, five-year accident-free, seat belt use, good student, driver training, and air bags.
- The Hartford may offer discounts for anti-theft, vehicle fuel type, bundle, air bag, defensive driver, good student, and driver training.
It’s a good idea to ask every company which credits you are entitled to. Discounts might not apply in every state. To find insurance companies that provide some of the discounts listed above in Ohio, click here.
Compare quotes for Cincinnati Buick Lucerne insurance
Most companies like State Farm and Allstate provide coverage price quotes on the web. Getting online quotes for Buick Lucerne insurance in Cincinnati is quite simple as you simply type in your coverage information into the quote form. When the form is submitted, the quote system automatically retrieves information on your driving record and credit history and provides a quote based on the information you submitted. Using the web to get quotes for Buick Lucerne insurance in Cincinnati makes it easy to compare insurance prices and it’s necessary to have as many quotes as possible in order to find the most affordable possible premiums on insurance.
To save time and use this form to compare rates, take a look at the companies shown below. To compare your current rates, we recommend you copy coverages and limits just like they are on your policy. This guarantees you will get comparison quotes using the same coverage and limits.
The companies shown below have been selected to offer price quotes in Ohio. If multiple companies are listed, we recommend you visit as many as you can in order to get a fair rate comparison.
Rate information and statistics
The rate table below showcases different coverage costs for Buick Lucerne models. Having a better understanding of how rates are calculated can help guide drivers when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Lucerne CX | $178 | $346 | $306 | $18 | $92 | $940 | $78 |
| Lucerne CXL | $178 | $346 | $306 | $18 | $92 | $940 | $78 |
| Lucerne CXL Special Edition | $178 | $398 | $306 | $18 | $92 | $992 | $83 |
| Lucerne Super | $198 | $398 | $306 | $18 | $92 | $1,012 | $84 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in specific location information which can change coverage rates substantially.
Impact of speeding/accidents on Cincinnati car insurance rates
The chart below highlights how speeding tickets and accidents impact Buick Lucerne insurance costs for different age groups. The rate quotes are based on a married female driver, full coverage, $250 deductibles, and no discounts are factored in.
Full coverage or liability only
The illustration below illustrates the comparison of Buick Lucerne insurance costs with full physical damage coverage compared to only buying liability only. Data assumes no accidents or driving violations, $100 deductibles, single status, and no additional discounts are factored in.
When to drop comprehensive and collision coverage
There is no set guideline of when to phase out physical damage coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Buick Lucerne claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $7,000 after you pay the deductible. If you are currently paying more than $700 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some situations where only buying liability is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not remove full coverage.
Independent versus exclusive insurance agents
A small number of people prefer to have an agent’s advice and that can be a great decision Licensed agents are highly skilled in risk management and will help you if you have claims. One of the best bonuses of comparing insurance prices online is you may find lower rates but also keep your business local.
To make it easy to find an agent, after completing this short form, your insurance coverage information is emailed to agents in your area that can give you free Cincinnati car insurance quotes for your coverage. You never need to drive around due to the fact that quote results will go instantly to you. If you want to compare rates from a particular provider, don’t hesitate to search and find their rate quote page and fill out their quote form.
Picking an insurance company requires more thought than just the premium amount. Any agent in Cincinnati should have no problem answering these questions:
- If you are a high risk driver, do they have special markets for your coverage?
- Is every driver in your family covered?
- Is insurance their full-time profession?
- Do they regularly work with personal auto policies in Cincinnati?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Can they provide you with a list of referrals?
- Does the agency provide any after hours assistance?
Pick the best auto insurance agent in Cincinnati for you
If you’re trying to find a local insurance agency, it’s important to understand the different types of agents and how they can write your policy. Cincinnati agents are considered either exclusive or independent (non-exclusive). Either type can write policy coverage, but it is a good idea to know the differences because it may have an impact on the selection process.
Exclusive Insurance Agencies
Agents of this type normally can only provide a single company’s rates like State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agencies are highly trained on their company’s products which helps overcome the inability to quote other rates.
Listed below are Cincinnati exclusive insurance agencies that are able to give rate quotes.
Harold Jones – State Farm Insurance Agent
9816 Springfield Pike – Cincinnati, OH 45215 – (513) 771-6226 – View Map
Chuck Detmering – State Farm Insurance Agent
2638 Kipling Ave – Cincinnati, OH 45239 – (513) 741-4500 – View Map
GEICO Insurance Agent
4081 E Galbraith Rd #1b – Cincinnati, OH 45236 – (513) 794-3426 – View Map
Independent Agents
Independent agents are normally appointed by many insurers and that is an advantage because they can write policies through many companies and find the cheapest rate. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part.
If you are trying to find cheaper rates, you need to include price quotes from a few independent agents so that you can do a thorough price comparison.
Below are independent agents in Cincinnati that can give you comparison quotes.
Kent Insurance Inc
7520 Montgomery Rd # 2 – Cincinnati, OH 45236 – (513) 791-6060 – View Map
United Heartland Insurance Agencies
6701 Ruwes Oak Dr – Cincinnati, OH 45248 – (513) 896-5555 – View Map
Landmark Insurance Agency
4355 Ferguson Dr #155 – Cincinnati, OH 45245 – (513) 947-8500 – View Map
After receiving satisfactory answers to any questions you may have in addition to an acceptable price estimate, most likely you have located an insurance agency that meets the criteria to service your policy. Just keep in mind policyholders can cancel your policy at any time so don’t feel you are locked into any particular company for a certain time period.
Best auto insurance in Ohio
Picking a good quality car insurance provider is hard considering how many companies sell insurance in Ohio. The rank data shown below can help you pick which coverage providers to look at putting your business with.
Top 10 Cincinnati Car Insurance Companies Overall
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Persistence will pay off
A few companies may not have the ability to get a quote online and these regional insurance providers only sell through local independent agents. Low-cost Buick Lucerne insurance in Cincinnati is definitely available from both online companies in addition to many Cincinnati insurance agents, so you should compare both to have the best chance of lowering rates.
We just showed you many tips how you can compare Buick Lucerne insurance premium rates in Cincinnati. The most important thing to understand is the more price quotes you have, the higher your chance of finding inexpensive Cincinnati car insurance quotes. You may even find the best price on car insurance is with a small mutual company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.
More information can be found at the links below
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance Quotes for Drivers Over Age 70 in Cincinnati? (FAQ)
- How Much are Cincinnati Car Insurance Quotes for a Toyota RAV4? (FAQ)
- Who Has Affordable Cincinnati Auto Insurance Quotes for a Dodge Journey? (FAQ)
- Who Has the Cheapest Cincinnati Auto Insurance Rates with Multiple Speeding Tickets? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Honda Civic in Cincinnati? (FAQ)
- Credit Impacts Car Insurance Rates (State Farm)
- Electronic Stability Control FAQ (iihs.org)