To save the most money, the best way to find lower priced auto insurance rates is to begin comparing prices regularly from providers that insure vehicles in Cincinnati.
- Get an understanding of car insurance and the changes you can make to keep rates in check. Many rating factors that result in higher prices such as inattentive driving and a low credit score can be improved by making lifestyle changes or driving safer.
- Quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like Progressive and State Farm, while agents who are independent can quote rates from multiple insurance companies. View prices
- Compare the new rate quotes to your existing policy and see if there is a cheaper rate in Cincinnati. If you find a better price, verify that coverage does not lapse between policies.
The most important part of shopping around is to use identical coverage information on every price quote and and to get price estimates from as many car insurance companies as possible. Doing this enables a fair price comparison and a good representation of prices.
It’s safe to conclude that insurance companies don’t want you quoting rates from other companies. People who shop around for cheaper prices will probably buy a new policy because there is a significant possibility of finding good coverage at a lower price. A recent study showed that people who compared rates once a year saved on average $865 a year compared to people who don’t regularly compare prices.
If finding the cheapest price for auto insurance is your ultimate target, knowing how to compare coverage rates can help simplify the task of finding more affordable coverage.
If you have insurance now or just want cheaper rates, you will benefit by learning to find better prices while maximizing coverage. Buying affordable insurance in Cincinnati is really not that difficult. Shoppers just have to use the proper way to quote multiple rates online.
Save money with these money saving discounts
Insurance is not an enjoyable expense, but companies offer discounts that could help you make your next renewal payment. Most are applied when you get a quote, but occasionally some discounts must be specially asked for before you will receive the discount. If you do not double check each discount available, you are throwing money away.
- Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of more than 20%.
- Safe Drivers – Accident-free drivers could pay up to 40% less than their less cautious counterparts.
- Accident-Free Discounts – Claim-free drivers can earn big discounts as compared to insureds who have frequent claims or accidents.
- Professional Memberships – Affiliation with qualifying employment or professional organizations can get you a small discount on your next renewal.
- Bundled Policy Discount – When you combine your homeowners and auto insurance with one company you may save at least 10 to 15 percent or more.
- Smart Student Discounts – Maintaining excellent grades can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.
Policy discounts save money, but many deductions do not apply to the whole policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, nobody gets a free ride.
Popular insurance companies and some of the discounts are included below.
- Travelers discounts include IntelliDrive, multi-car, student away at school, good student, save driver, and payment discounts.
- 21st Century offers discounts for defensive driver, good student, 55 and older, anti-lock brakes, and automatic seat belts.
- State Farm offers discounts including driver’s education, multiple policy, defensive driving training, anti-theft, multiple autos, and Drive Safe & Save.
- GEICO may offer discounts for daytime running lights, military active duty, seat belt use, membership and employees, multi-policy, and multi-vehicle.
- SAFECO may include discounts for anti-theft, drive less, homeowner, anti-lock brakes, teen safe driver, bundle discounts, and teen safety rewards.
- AAA may have discounts that include pay-in-full, multi-policy, education and occupation, anti-theft, AAA membership discount, multi-car, and good driver.
It’s a good idea to ask every prospective company which discounts they offer. Some discounts might not be available to policyholders in your state. For a list of companies who offer free Ford C-Max Energi insurance quotes in Ohio, click this link.
The quickest method we recommend to compare insurance rates in your area is to take advantage of the fact car insurance companies allow for online access to give you rate quotes. All you need to do is provide a small amount of information including if it has an alarm system, what you do for a living, daily mileage, and how much coverage you want. Your insurance information is automatically sent to many of the top insurers and they respond with quotes with very little delay.
To find lower affordable Ford C-Max Energi insurance rates now, click here and complete the quick form.
The following companies provide comparison quotes in Cincinnati, OH. If you want the best car insurance in OH, it’s a good idea that you visit as many as you can in order to get a fair rate comparison.
Smart Buyers Can Reduce Their Insurance Prices
One of the most helpful ways to save on insurance is to to have a grasp of some of the things that come into play when calculating your insurance rates. When consumers understand what determines premiums, this allows you to make good choices that can help you get cheaper rates.
- Do you have enough liability coverage? – A critical coverage on your policy, liability insurance will provide protection in the event that you are ruled to be at fault for an accident. Liability insurance provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should carry high limits.
- Poor credit can mean higher rates – A driver’s credit rating factor in determining what you pay. Insureds that have excellent credit scores tend to be more responsible and file fewer claims than drivers who have bad credit. Therefore, if your credit rating is low, you could save money insuring your Ford C-Max Energi by improving your credit score.
- Insurance costs are higher for high performance vehicles – The make and model of the car or truck you own makes a huge difference in how high your rates are. The lowest premiums are for low performance passenger cars, but the cost you end up paying is determined by many additional factors.
- Remove unneeded extra coverages – There are a lot of additional extra coverages that you can buy when buying insurance. Insurance for things like rental car reimbursement, accident forgiveness, and Farm Bureau memberships may not be needed and are just wasting money. They may seem good when you first buy your policy, but if they’re wasting money eliminate them to save money.
- Alarms and GPS tracking systems cut prices – Choosing to buy a car with anti-theft technology or alarm system can help bring down rates. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent car theft.
- Do you qualify for a multi-policy discount? – Most major insurance companies will award discounts to clients that buy multiple policies, otherwise known as a multi-policy discount. Even though this discount sounds good, drivers will still want to shop around to confirm you are receiving the best rates possible.
It’s not one size fits all
When it comes to choosing your policy for your personal vehicles, there is no “perfect” insurance plan. Your situation is unique and your car insurance should be unique as well. These are some specific questions might point out whether your personal situation might need an agent’s assistance.
- Can I afford to buy a different vehicle if my Ford C-Max Energi is totaled?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Does my liability insurance cover pulling a trailer or camper?
- Can I afford to pay high deductible claims out of pocket?
- When would I need rental car insurance?
- What is an SR-22 filing?
- Will my rates increase for filing one claim?
- How can I find cheaper teen driver insurance?
- What should my uninsured motorist coverage limits be in Ohio?
- Should I pay a claim out-of-pocket?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.
Getting quotes from local Cincinnati car insurance agents
Many drivers still prefer to get professional advice from a licensed agent and that is OK! Experienced insurance agents can help you build your policy and will help you if you have claims. A nice benefit of comparing rates online is that you can find cheap car insurance quotes but still work with a licensed agent.
To help locate an agent, after submitting this short form, your coverage information is transmitted to participating agents in Cincinnati who will give you quotes to get your business. There is no need to leave your computer as quotes are delivered to you. If you want to get a price quote for a specific company, feel free to go to their quote page and submit a quote form there.
Picking the best provider requires you to look at more than just the quoted price. Before buying a policy in Cincinnati, get answers to these questions.
- Is working in the agency their full-time job?
- If they are an independent agency in Cincinnati, which companies do they recommend?
- Does the company use OEM repair parts?
- Are they actively involved in the community?
- Can they give you a list of client referrals?
- Are they primarily personal or commercial lines agents in Cincinnati?
After you get good feedback to any questions you may have and a low price estimate, chances are good that you have found an insurer that meets the criteria to insure your vehicles.
Car insurance does more than just protect your car
Even though Cincinnati C-Max Energi insurance rates can get expensive, car insurance is a good idea for several reasons.
- Just about all states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability insurance coverage in order to get the vehicle licensed. 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 loan on your Ford, almost every bank will have a requirement that you have comprehensive coverage to guarantee loan repayment. If you do not pay your insurance premiums, the lender will be forced to insure your Ford for a lot more money and require you to pay for it.
- Insurance safeguards both your Ford C-Max Energi and your assets. It will also reimburse you for medical bills incurred in an accident. As part of your policy, liability insurance also covers legal expenses if you are sued as the result of an accident. If mother nature or an accident damages your car, your policy will pay to restore your vehicle to like-new condition.
The benefits of insuring your car are without a doubt worth the cost, specifically if you ever have a liability claim. An average driver in America overpays more than $820 a year so you should quote rates each time the policy renews to make sure the price is not too high.
Compare auto insurance rates regularly to save
Affordable Ford C-Max Energi insurance in Cincinnati can be bought both online as well as from insurance agents, and you need to price shop both to get a complete price analysis. Some auto insurance companies may not have rate quotes online and these small insurance companies sell through independent agents.
We just covered many ideas to reduce Ford C-Max Energi insurance rates online in Cincinnati. It’s most important to understand that the more times you quote, the better chance you’ll have of finding low cost Cincinnati auto insurance quotes. You may even find the best rates are with the smaller companies. Regional companies may have significantly lower car insurance rates on certain market segments than their larger competitors like Allstate and Progressive.
More articles
- State Laws for Cellphones and Texting (iihs.org)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)