There isn’t anyone who likes buying car insurance, especially when they know the price is too high.
It’s amazing but almost 70% of drivers in Ohio have remained with the same car insurance company for at least the last four years, and about 40% of consumers have never quoted rates to find cheaper coverage. The average driver in the U.S. can save as much as $850 each year by just comparing quotes, but they just don’t understand how easy it is to do a rate comparison. Many insurers compete for your hard-earned dollar, so it can be very hard to choose a company to find the best rates possible on Chevy Captiva Sport insurance in Cincinnati.
The companies shown below are ready to provide free rate quotes in Cincinnati, OH. If multiple companies are listed, we recommend you visit several of them in order to find the most affordable rates.
Auto insurance is not optional
Even though it’s not necessarily cheap to insure a Chevy in Cincinnati, insuring your vehicle serves a purpose in several ways.
- The majority of states have minimum mandated liability insurance limits which means the state requires a specific minimum amount of liability protection if you don’t want to risk a ticket. 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 bought your Chevy with a loan, almost every bank will require you to carry insurance to guarantee loan repayment. If the policy lapses, the bank may buy a policy for your Chevy at a significantly higher premium and force you to reimburse them a much higher amount than you were paying before.
- Auto insurance protects not only your vehicle but also your assets. It will also reimburse you for all forms of medical expenses that are the result of an accident. Liability insurance will also pay for a defense attorney if someone files suit against you as the result of an accident. If your Chevy gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of carrying adequate insurance are definitely more than the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is wasting up to $820 a year so smart consumers compare quotes every year to help ensure money is not being wasted.
It’s not one size fits all
When it comes to buying your policy, there really is no “perfect” insurance plan. Everyone’s situation is a little different.
These are some specific questions may help you determine if your insurance needs would benefit from professional advice.
- What does roadside assistance cover?
- Is motorclub coverage worth it?
- If my car is totaled with they pay enough to replace it?
- Does my policy cover me when driving someone else’s vehicle?
- I have a DUI can I still get coverage?
- I have good health insurance, so how much medical payments coverage do I need?
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and may give you better protection.
Car insurance 101
Understanding the coverages of your auto insurance policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Chevy Captiva Sport.
Since many Ohio drivers only carry the minimum required liability limits (25/50/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.
Collision coverage – This will pay to fix damage to your Captiva Sport resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as colliding with another moving vehicle, crashing into a building, scraping a guard rail, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible on your Captiva Sport to get cheaper collision coverage.
Medical costs insurance – Coverage for medical payments and/or PIP pay for bills like pain medications, dental work and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible
Comprehensive or Other Than Collision – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as fire damage, rock chips in glass, a tree branch falling on your vehicle and damage from flooding. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Auto liability insurance – Liability coverage will cover injuries or damage you cause to other’s property or people. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged property.
Liability coverage protects against things like bail bonds, structural damage and legal defense fees. How much coverage you buy is your choice, but consider buying as high a limit as you can afford. Ohio state law requires minimum liability limits of 25/50/25 but it’s recommended drivers buy more liability than the minimum.
The illustration below shows why buying low liability limits may not be high enough to adequately cover claims.
Cincinnati auto insurance companies
Ending up with the highest-rated insurance provider can be difficult considering how many different companies sell coverage in Ohio. The ranking data listed below can help you analyze which auto insurers you want to consider putting your business with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Compare but don’t skimp
We just presented many tips how you can find cheap Chevy Captiva Sport insurance in Cincinnati. The key concept to understand is the more companies you get premium rates for, the better chance you’ll have of finding inexpensive Cincinnati car insurance quotes. You may even find the most savings is with the smaller companies.
People who switch companies do it for any number of reasons including an unsatisfactory settlement offer, policy cancellation, lack of trust in their agent or poor customer service. Regardless of your reason for switching companies, finding a new car insurance company is not as hard as you think.
As you quote Cincinnati car insurance, never sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate and still be able to protect your assets.
How to find the cheapest rates for Chevy Captiva Sport insurance in Cincinnati
If you want to save the most money, the best way to find discount Chevy Captiva Sport insurance is to regularly compare price quotes from different companies in Cincinnati.
- Try to learn a little about how auto insurance works and the factors you can control to drop your rates. Many factors that result in higher rates like your driving record and a lousy credit rating can be remedied by making minor driving habit or lifestyle changes.
- Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agents can give you price quotes from many different companies. Begin your rate comparison
- Compare the new quotes to the premium of your current policy and see if there is a cheaper rate in Cincinnati. If you can save money, make sure coverage is continuous and does not lapse.
One bit of advice is to compare identical limits and deductibles on each quote and and to get price estimates from as many car insurance companies as possible. This helps ensure a level playing field and a complete selection of prices.
Other articles
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- How Much is Cincinnati Auto Insurance for Veterans? (FAQ)
- How Much are Cincinnati Car Insurance Rates for Business Use? (FAQ)
- Who Has Affordable Cincinnati Auto Insurance for a 20 Year Old Male? (FAQ)
- State Laws for Cellphones and Texting (iihs.org)
- All About Airbag Safety (State Farm)
- Your Car has been Stolen: Now What? (Allstate)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)