The best way to save on auto insurance rates in Cincinnati is to annually compare prices from insurers who sell auto insurance in Ohio.
- Spend some time learning about what coverages are included in your policy and the factors you can control to lower rates. Many risk factors that result in higher prices such as accidents, careless driving, and a not-so-good credit score can be controlled by making small lifestyle or driving habit changes.
- Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO or Allstate, while independent agents can provide rate quotes from multiple insurance companies.
- Compare the price quotes to the premium of your current policy to determine if switching companies saves money. If you can save money and change companies, make sure coverage does not lapse between policies.
- Tell your current company to cancel your current car insurance policy. Submit a down payment along with a signed application for the new policy. Once received, store the proof of insurance certificate in your vehicle’s glove compartment or console.
One thing to remember is to use similar coverage information on each quote request and and to get price estimates from as many different insurance providers as possible. This provides a fair price comparison and the best price selection.
It’s a known fact that auto insurance companies don’t want you comparing rates. Insureds who shop around for the cheapest price are very likely to switch to a new company because there is a good probability of finding a lower-priced policy. A survey found that people who routinely shopped around saved approximately $3,500 over four years compared to policyholders who never shopped around.
If finding the cheapest price on Lexus GS F insurance is your ultimate goal, then learning about how to choose a company and compare insurance premiums can save time and make the process easier.
If you’re already insured, you stand a good chance to be able to cut your premiums using these methods. Shopping around for cheaper auto insurance policy in Cincinnati is actually quite simple. Although Ohio drivers do need to understand the way companies sell online and take advantage of how the system works.
Cheapest companies for Lexus GS F insurance
The auto insurance companies shown below are ready to provide comparison quotes in Ohio. If you want cheaper auto insurance in Cincinnati, it’s highly recommended you visit several of them to find the cheapest auto insurance rates.
Affordable Lexus GS F insurance in Cincinnati
Insurance can be pricey, but you may be missing some discounts that can help lower your rates. Certain discounts will be applied at the time of quoting, but some need to be specially asked for prior to getting the savings.
- Early Signing – A few insurance companies give discounts for switching policies before your current coverage expires. You may see this discount when you get Cincinnati auto insurance quotes online.
- Good Student – Excelling in school can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.
- Low Mileage Discounts – Maintaining low annual mileage could earn lower rates due to less chance of an accident.
- Anti-lock Brake System – Cars with ABS and/or traction control prevent accidents so you can save 10 percent or more.
- Claim Free – Drivers with accident-free driving histories have much lower rates when compared with bad drivers.
- Save over 55 – Drivers over the age of 55 can get lower premium rates.
- Distant College Student Discount – Kids who live away from home to go to college and leave their car at home may be insured at a cheaper rate.
Don’t be surprised that many deductions do not apply to the whole policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that you could get a free insurance policy, nobody gets a free ride.
Popular insurance companies and a summarized list of policyholder discounts can be read below.
- 21st Century policyholders can earn discounts including 55 and older, driver training, anti-lock brakes, air bags, defensive driver, theft prevention, and student driver.
- Progressive offers discounts for online quote discount, multi-policy, multi-vehicle, good student, and homeowner.
- State Farm discounts include defensive driving training, driver’s education, safe vehicle, Steer Clear safe driver discount, good student, multiple autos, and passive restraint.
- Nationwide may include discounts for easy pay, family plan, Farm Bureau membership, business or organization, defensive driving, anti-theft, and multi-policy.
- Esurance may have discounts that include DriveSense, multi-car, claim free, Switch & Save, and safety device.
- The Hartford may offer discounts for air bag, defensive driver, driver training, anti-theft, good student, bundle, and vehicle fuel type.
When getting a coverage quote, ask every prospective company which credits you are entitled to. Depending on the company, some discounts might not be offered in Cincinnati.
Learn How to Lower Your Insurance Costs
Smart consumers have a good feel for some of the things that aid in calculating the rates you pay for auto insurance. When you know what positively or negatively determines premiums, this helps enable you to make changes that could result in lower rates. Many things are part of the equation when you get your auto insurance bill. Most are fairly basic like an MVR report, although some other factors are less apparent such as your marital status and annual miles driven.
Listed below are some of the major factors utilized by car insurance companies to help set your premiums.
Having a spouse reduces risk – Having a significant other helps lower the price on your policy. Having a significant other translates into being more stable financially and insurance companies reward insureds because drivers who are married file infrequent claims.
Liability protection risk factors – Liability insurance will protect you if you are found to be at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides you with a defense in court which can cost a lot. This coverage is very inexpensive when compared to the cost of physical damage coverage, so buy as much as you can afford.
File auto insurance claims and pay more – If you file claims often, you should expect either a policy non-renewal or much higher rates. Auto insurance companies in Ohio award lower rates to people who file claims infrequently. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.
Your address can push rates up or down – Choosing to live in areas with lower population has it’s advantages if you are looking for the lowest rates. Residents of big cities tend to have more traffic problems and much longer commute distances. Lower population means a lower chance of having an accident.
Poor credit score equals high costs – Having a good credit score is likely to be a major factor in your rate calculation. Therefore, if your credit is low, you could potentially save money when insuring your Lexus GS F if you clean up your credit. Consumers who have excellent credit scores tend to be more responsible and file fewer claims than those with worse credit.
Cheaper premiums with safer cars – Cars with five star safety ratings can get you lower premiums. Safer cars result in less severe injuries and fewer serious injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
How do I know if I need professional advice?
When choosing the best auto insurance coverage for your personal vehicles, there really isn’t a cookie cutter policy. Each situation is unique and your auto insurance should unique, too.
Here are some questions about coverages that might help in determining if your insurance needs may require specific advice.
- Am I covered if I have no license?
- Am I covered if I hit someone who is not insured?
- Is a new car covered when I drive it off the dealer lot?
- How can I force my company to pay a claim?
- Does having multiple vehicles earn me a discount?
- When should I remove comp and collision on my Lexus GS F?
- What is an adequate liability insurance limit?
- What is the minimum liability in Ohio?
- Should I pay a claim out-of-pocket?
- How do I insure my teen driver?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.
What if I want to buy from local Cincinnati auto insurance agents?
Many people just prefer to buy from a licensed agent and there is nothing wrong with that. A nice benefit of price shopping on the web is you may find cheap rate quotes but still work with a licensed agent.
To find an agent, once you fill out this form (opens in new window), the coverage information is instantly submitted to insurance agents in Cincinnati that provide free Cincinnati auto insurance quotes and help you find cheaper coverage. It makes it easy because there is no need to do any legwork because quoted prices will be sent instantly to you. You can find better rates without a big time investment. If for some reason you want to get a rate quote from a particular provider, feel free to jump over to their website and fill out their quote form.
Choosing the best provider should include more criteria than just the premium amount. Any agent in Cincinnati should be willing to answer these questions.
- What insurance companies do they work with in Cincinnati?
- Is the agency covered by Errors and Omissions coverage?
- Do the agents have professional certifications like CPCU or CIC?
- Can they give you a list of client referrals?
- Do they regularly work with personal auto policies in Cincinnati?
- Is working in the agency their full-time job?
- Do they feel the quoted coverages are adequate?
Compare rates from both independent and exclusive auto insurance agents
When looking for a reliable agent, there are a couple of different types of agencies and how they work. Insurance agents in Cincinnati are either exclusive or independent agents depending on their company appointments.
Agents that elect to be exclusive can usually just insure with one company and some examples include Farmers Insurance and State Farm. They generally cannot give you multiple price quotes so always compare other rates. They are very knowledgeable on sales techniques which can be an advantage. Some insured continue to purchase coverage from exclusives mainly due to the brand name rather than having low rates.
Shown below are Cincinnati exclusive agents who may provide you with price quotes.
- Steve Ulmer – State Farm Insurance Agent
3518 Glenmore Ave – Cincinnati, OH 45211 – (513) 662-4300 – View Map
- Bob Donnelly – State Farm Insurance Agent
2063 Beechmont Ave – Cincinnati, OH 45230 – (513) 231-4975 – View Map
- State Farm: Randy Wagner
1167 8 Mile Rd – Cincinnati, OH 45255 – (513) 474-4100 – View Map
Independent Agents (or Brokers)
These type of agents are not limited to a single company and that gives them the ability to insure with multiple insurance companies and help determine which has the cheapest rates. If they find a lower price, your agent can switch companies which requires no work on your part.
If you need cheaper insurance rates, you should always check rates from at least one independent agent for maximum quote selection. A lot of them also have access to small regional insurance companies which may provide better rates.
The following is a short list of independent agents in Cincinnati that are able to give rate quotes.
- Zimmer Insurance Agency
2148 Gilbert Ave – Cincinnati, OH 45206 – (513) 381-1919 – View Map
- Globe Insurance
2619 Erie Ave – Cincinnati, OH 45208 – (513) 871-3330 – View Map
- Advantage Insurance Network LLC
4739 Delhi Ave – Cincinnati, OH 45238 – (513) 922-9460 – View Map
Cheaper car insurance is out there
As you restructure your insurance plan, it’s a bad idea to reduce coverage to reduce premium. In many instances, drivers have reduced physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.
We just showed you some good ideas how to get a better price on Lexus GS F insurance in Cincinnati. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers may even find the lowest priced car insurance comes from an unexpected company. Some small companies may often insure only within specific states and give better rates compared to the large companies like Progressive or GEICO.
- Alcohol Impaired Driving FAQ (iihs.org)
- Who Has Cheap Car Insurance Rates for a Company Car in Cincinnati? (FAQ)
- Teen Driving Statistics (GEICO)
- Property Damage Coverage (Liberty Mutual)
- Car Insurance: When not to Skimp (BankRate.com)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)