Cheapest Ford Ranger Insurance in Cincinnati

If you want to save money, the best way to find more affordable auto insurance rates is to do a yearly price comparison from insurance carriers who provide car insurance in Cincinnati. You can compare prices by following these guidelines.

First, spend some time learning about how car insurance works and the modifications you can make to prevent high rates. Many risk factors that cause high rates like speeding tickets, careless driving and a negative credit score can be eliminated by improving your driving habits or financial responsibility. Keep reading for more details to keep prices down and get additional discounts that may be available.

Second, request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes from many different companies.

Third, compare the price quotes to your existing coverage to determine if you can save on Ranger insurance in Cincinnati. If you find a better price and buy the policy, verify that coverage does not lapse between policies.

An essential thing to point out is to make sure you’re comparing the same amount of coverage on every quote and and to analyze every insurance company. Doing this ensures a fair rate comparison and a complete rate analysis.

It’s a known fact that auto insurance companies don’t want you shop around. Insureds who shop around for cheaper rates will probably switch to a new company because there is a good chance of finding a lower rate. A recent insurance study revealed that consumers who shopped around annually saved $850 each year compared to people who never shopped around for better prices.

If finding the most affordable auto insurance in Cincinnati is why you’re reading this, then having some knowledge of the best ways to shop for coverages can make it easier to shop your coverage around.

The following companies are ready to provide quotes in Ohio. To buy cheaper car insurance in Cincinnati, we recommend you visit as many as you can in order to find the most competitive rates.

Auto insurance analysis for a Ford Ranger

The table shown below outlines different coverage costs for Ford Ranger models. Learning as much as possible about how auto insurance prices are figured can aid in making smart choices when purchasing an auto insurance policy.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Table data does not factor in your specific Cincinnati location which can decrease or increase prices substantially.

Physical damage deductible comparison

One of the most common auto insurance questions is how high should the physical damage deductibles be. The comparisons below approximate the price difference when you select higher and lower deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in specific Cincinnati garaging location which can increase or decrease coverage prices greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs an average of $15 more each month or $180 every year than buying the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you have more than 50 months between claims, you would probably be better off by selecting a higher deductible. Here is the way you can make this decision for your own policy.

Comparison of auto insurance rates by gender

The diagram below visualizes the comparison of Ford Ranger insurance prices for male and female drivers. The premiums are based on no accidents, no driving violations, comp and collision included, $100 deductibles, single marital status, and no discounts are applied.

Ford Ranger full coverage rates compared to liability only

The information below compares Ford Ranger insurance prices with full coverage and liability only. The rates are based on no claims or violations, $1,000 deductibles, drivers are not married, and no discounts are applied.

Are you wasting money on full coverage?

There is no set rule that is best for determining when to drop comp and collision coverage, but there is a general school of thought. If the yearly cost of full coverage is more than 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Ford Ranger book value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $8,000 after the policy deductible has been paid. If you are paying more than $800 a year for full coverage, then it might be time to buy liability only.

There are some scenarios where dropping physical damage coverage is not advised. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not buy liability only.

Lower rate quotes by getting discounts

Some companies don’t always advertise all discounts very well, so the next list breaks down some of the more common and also the lesser-known discounts that may be available. If you are not receiving all the discounts you deserve, you’re just leaving money on the table.

• Lower Rates for Military – Being on active duty in the military could mean lower rates.
• Switch and Save Discount – Some insurance companies provide a discount for switching policies prior to your current Ranger insurance policy expiration. Ten percent is about the average savings.
• No Claim Discounts – Claim-free drivers pay less compared to bad drivers.
• Professional Memberships – Affiliation with certain professional organizations is a good way to get lower rates on your policy.
• Own a Home and Save – Just being a homeowner can save you money due to the fact that maintaining a home is proof that your finances are in order.
• Safety Course Discount – Taking a defensive driver class is a good idea and can lower rates and make you a better driver.
• Save over 55 – If you qualify as a senior citizen, you may qualify for a discount up to 10%.
• Low Mileage Discounts – Low mileage vehicles may allow you to get substantially lower prices.
• Theft Deterrent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like comp or med pay. So even though you would think having all the discounts means you get insurance for free, that’s just not realistic.

The chart below shows the comparison of Ford Ranger insurance rates with and without some available policy discounts. The price estimates are based on a male driver, no claims or driving violations, Ohio state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, homeowner, safe-driver, multi-policy, and claim-free discounts applied.

A partial list of companies that may have some of the discounts shown above include:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• GEICO
• SAFECO

When quoting, ask every prospective company how you can save money. Some credits may not apply to policies in Cincinnati.

It may be expensive, but it’s not optional

Even though it’s not necessarily cheap to insure a Ford in Cincinnati, car insurance serves several important purposes.

• The majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage 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 Ford with a loan, almost every bank will force you to have physical damage coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender may insure your Ford at a much higher rate and require you to fork over the higher premium.
• Insurance protects both your Ford and your personal assets. It will also provide coverage for hospital and medical expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of insuring your Ranger definitely exceed the price paid, especially with large liability claims. As of last year, the average driver in Ohio is currently overpaying as much as $850 per year so compare rates at least once a year to ensure rates are competitive.

Ohio auto insurance companies

Picking a high-quality insurance company is difficult considering how many companies are available to choose from in Ohio. The company ratings in the next section can help you choose which providers to look at purchasing coverage from.

Top 10 Cincinnati Car Insurance Companies Ranked by Customer Service

1. Nationwide
2. State Farm
3. Safeco Insurance
4. American Family
5. Titan Insurance
6. Travelers
7. Liberty Mutual
8. GEICO
9. Erie Insurance
10. Allstate

Top 10 Cincinnati Car Insurance Companies Ranked by Customer Satisfaction

1. USAA – 92%
2. Erie Insurance – 88%
3. American Family – 88%
4. State Farm – 88%
5. Nationwide – 88%
6. 21st Century – 88%
7. AAA Insurance – 87%
8. Liberty Mutual – 87%
9. Farmers Insurance – 87%
10. The Hartford – 87%

Auto insurance quotes from local Cincinnati insurance agencies

Some people just prefer to get advice from a local agent and that is just fine! Experienced insurance agents are highly skilled in risk management and help you file claims. One of the great benefits of price shopping on the web is the fact that drivers can get better rates but still work with a licensed agent.

To make it easy to find an agent, after completing this short form, the coverage information is immediately sent to local insurance agents who can give free rate quotes to get your business. You won’t need to leave your computer since rate quotes are delivered instantly to you. If you have a need to quote rates from one company in particular, you would need to navigate to their website and fill out the quote form the provide.

Picking the best provider requires more thought than just the quoted price. Any agent in Cincinnati should be forthright in answering these questions:

• Which family members are covered?
• How many years have they been established?
• What kind of financial rating does the company have?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Do they review policy coverages at every renewal?
• Who are their largest clients?
• Does the agency have a positive business rating?

Pick the best car insurance agent in Cincinnati for you

If you prefer to buy auto insurance from local Cincinnati agents, it helps to know the two different types of agencies and how they differ in how they quote coverages. Auto insurance agents in Cincinnati can either be exclusive or independent. Either type can sell affordable auto insurance policies, but it’s worth learning why they differ because it can factor into the type of agent you choose.

Exclusive Auto Insurance Agents

These agents have only one company to place business with and some examples include Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. Exclusive agencies are usually quite knowledgeable on what they offer which helps them sell insurance even at higher premiums. Some consumers prefer to buy from exclusive agents mostly because of the prominent brand name and the convenience of having a single billing for all their coverages.

The following are exclusive insurance agencies in Cincinnati willing to provide price quotes.

• Dianne Michael – Allstate Insurance Agent
  5062 Delhi Ave – Cincinnati, OH 45238 – (513) 451-8700 – View Map
• Ken Kunkel – State Farm Insurance Agent
  6708 Cheviot Rd – Cincinnati, OH 45247 – (513) 385-6667 – View Map
• American Family Insurance – Barbara Hall
  4010 N Bend Rd Ste 300 – Cincinnati, OH 45211 – (513) 347-9492 – View Map

More Cincinnati agents

Independent Insurance Agents

These agents often have many company appointments and that is an advantage because they can write policies through lots of different companies and get the cheapest rates. If premiums increase, they simply switch companies in-house and you don’t have to switch agencies.

If you are comparing auto insurance prices, you need to compare prices from a few independent agents in order to compare the most rates. They also have the ability to place coverage with less well-known companies which can save you money.

The following are independent agents in Cincinnati that are able to give comparison quotes.

• Zinser Insurance Agency LLC
  5310 Glenway Ave # 1 – Cincinnati, OH 45238 – (513) 451-8898 – View Map
• Henry Insurance Agency LLC
  2757 Observatory Ave #22 – Cincinnati, OH 45208 – (513) 871-7700 – View Map
• Dabbelt Insurance LLC
  5932 Glenway Ave – Cincinnati, OH 45238 – (513) 451-8050 – View Map

More Cincinnati agents