Statistics show that 70% of consumers kept their policy with the same company for at least the last four years, and practically 40% of insurance customers have never even shopped around for cheap coverage. With the average insurance premium being $1,300, Ohio drivers can save hundreds of dollars each year just by comparing rates, but they don’t invest the time required to shop their coverage around.
Really, the only way to get discount auto insurance rates is to regularly compare price quotes from companies who sell auto insurance in Cincinnati.
- Step 1: Try to learn a little about policy coverages and the modifications you can make to drop your rates. Many factors that result in higher prices like traffic citations, accidents, and poor credit rating can be remedied by making minor driving habit or lifestyle changes. Read the full article for instructions to get affordable coverage and find discounts that may have been missed.
- Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like GEICO or Farmers Insurance, while agents who are independent can quote rates from multiple companies. Find a Cincinnati insurance agent
- Step 3: Compare the price quotes to your existing coverage to see if a cheaper price is available in Cincinnati. If you can save some money and decide to switch, make sure there is no lapse in coverage.
A key point to remember is to use the same level of coverage on every price quote and and to get price quotes from every insurance company. This enables a fair rate comparison and the best price selection.
If you already have coverage or want to find a cheaper company, you can use these tips to cut your premiums without reducing coverage. Comparing rates for the lowest-priced car insurance coverage in Cincinnati is quite easy. You just have to learn the quickest way to compare prices using one simple form.
Best Dodge Caliber insurance rates in Ohio
The companies shown below provide comparison quotes in Ohio. To locate the cheapest car insurance in OH, we recommend you visit as many as you can to get the lowest price.
Car insurance data for a Dodge Caliber
The table displayed below covers estimates of insurance prices for Dodge Caliber models. Having a good understanding how insurance prices are determined is important for you to make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Caliber Express | $170 | $364 | $306 | $18 | $92 | $950 | $79 |
| Caliber Heat | $170 | $364 | $306 | $18 | $92 | $950 | $79 |
| Caliber SE | $170 | $364 | $306 | $18 | $92 | $950 | $79 |
| Caliber Mainstreet | $170 | $364 | $306 | $18 | $92 | $950 | $79 |
| Caliber Rush | $170 | $364 | $306 | $18 | $92 | $950 | $79 |
| Caliber SXT | $170 | $364 | $306 | $18 | $92 | $950 | $79 |
| Caliber Uptown | $170 | $364 | $306 | $18 | $92 | $950 | $79 |
| Caliber R/T | $194 | $428 | $306 | $18 | $92 | $1,038 | $87 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Information does not factor in vehicle location which can lower or raise rates noticeably.
The information below demonstrates how deductible levels and can change Dodge Caliber insurance costs for each different age group. The prices are based on a single male driver, full coverage, and no discounts are applied.
How violations and accidents impact rates
The chart below shows how traffic citations and accidents impact Dodge Caliber insurance prices for each age group. The costs are based on a single male driver, full coverage, $500 deductibles, and no policy discounts are applied.
Dodge Caliber insurance rates: Men versus women
The chart below compares Dodge Caliber auto insurance rates for male and female drivers. The costs are based on no claims or driving citations, comp and collision included, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
Rate difference between full and liability-only coverage
The diagram below shows the comparison of Dodge Caliber premium costs with full physical damage coverage and with liability coverage only. The rate quotes are based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no policy discounts are applied.
When to stop paying for full coverage
There is no clear-cut rule that is best for determining when to drop physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s say your Dodge Caliber settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after the policy deductible has been paid. If premium cost is more than $200 a year to have full coverage, then it could be time to drop full coverage.
There are some situations where eliminating full coverage is not financially feasible. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not remove full coverage.
Earn discounts on Cincinnati car insurance
Companies offering auto insurance do not advertise every discount they offer in an easy-to-find place, so the list below details some of the best known and the harder-to-find credits available to you.
- Accident Free – Claim-free drivers pay less in comparison with drivers with a long claim history.
- 55 and Retired – If you qualify as a senior citizen, you may be able to get lower premium rates.
- Multi-Vehicle Discounts – Having multiple vehicles with the same car insurance company can get a discount on all vehicles.
- Waiver for an Accident – This one isn’t a discount, but a few companies such as Allstate and State Farm will turn a blind eye to one accident without raising rates if you have no claims prior to the accident.
- Student Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if offered at their school.
- Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and the ABS can save up to 10%.
- Pay Upfront and Save – By paying your policy upfront rather than spreading payments over time you may reduce your total bill.
- Distant Student Discount – College-age children who live away from home at college and don’t have a car can receive lower rates.
Don’t be surprised that most of the big mark downs will not be given to the whole policy. A few only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, nobody gets a free ride.
The illustration below shows the comparison of Dodge Caliber auto insurance rates with and without discounts applied to the rates. The data is based on a female driver, a clean driving record, no claims, Ohio state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-car, multi-policy, marriage, and homeowner discounts applied.
Some companies who might offer these benefits include:
Before you buy a policy, ask every company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policyholders in Cincinnati. For a list of providers that offer some of these discounts in Cincinnati, click here.
Which is the best auto insurance?
When quoting and comparing the right insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and your auto insurance should be unique as well. Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.
- Is there a penalty for late payment?
- Should I buy additional glass protection?
- Am I covered when using my vehicle for business?
- Should I drop comprehensive coverage on older vehicles?
- Do I have coverage when using my vehicle for my home business?
- Am I covered if I crash into my own garage door?
- Do I need to call my car insurance company before buying a new car?
- Can I get by with minimal medical coverage if I have good health insurance?
- Will my rates increase for filing one claim?
- Do I get a pro-rated refund if I cancel my policy early?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Auto insurance agents are trained to help
A lot of people just want to get advice from a local agent and that is recommended in a lot of cases Good agents are trained to spot inefficiencies and help in the event of a claim. An additional benefit of getting online price quotes is you may find lower prices but still work with a licensed agent. Buying insurance from neighborhood agents is still important in Cincinnati.
To find an agent, once you fill out this form (opens in new window), your information is transmitted to local insurance agents that provide free Cincinnati car insurance quotes for your coverage. You never need to contact an agency since price quotes are sent to you. If you have a need to get a rate quote from a specific insurance company, you would need to find their quoting web page and fill out the quote form the provide.
If you are wanting to find a local Cincinnati insurance agent, it can be helpful to understand the different types of agents to choose from. Agents in Cincinnati may be either exclusive or independent agents depending on their company appointments. Either one can provide auto insurance policies, but it’s important to point out how they are different since it can impact the type of agent you choose.
Independent Auto Insurance Agencies
These type of agents are not employed by any specific company and that gives them the ability to insure with multiple insurance companies and potentially find a lower price. If premiums increase, your policy is moved internally and that require little work on your part. If you are comparing rate quotes, you will definitely want to compare prices from multiple independent agents so that you can do a thorough price comparison. Most can insure with different regional companies that many times have cheaper rates.
Below is a partial list of independent insurance agents in Cincinnati that may be able to give you pricing information.
- R G Mc Graw Insurance Inc
324 E 4th St – Cincinnati, OH 45202 – (513) 381-7881 – View Map - Globe Insurance
2619 Erie Ave – Cincinnati, OH 45208 – (513) 871-3330 – View Map - Kent Insurance Inc
7520 Montgomery Rd # 2 – Cincinnati, OH 45236 – (513) 791-6060 – View Map
Exclusive Auto Insurance Agencies
Exclusive insurance agents can only quote rates from one company such as Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to give you multiple price quotes so always compare other rates. These agents are usually quite knowledgeable on their company’s products which helps overcome the inability to quote other rates. Drivers often use the same exclusive agent partially due to the brand name rather than having low rates.
Below are exclusive insurance agents in Cincinnati who can help you get price quote information.
- Scott Clark – State Farm Insurance Agent
3011 W Galbraith Road – Cincinnati, OH 45239 – (513) 931-9292 – View Map - Dianne Michael – Allstate Insurance Agent
5062 Delhi Ave – Cincinnati, OH 45238 – (513) 451-8700 – View Map - Steve Ulmer – State Farm Insurance Agent
3518 Glenmore Ave – Cincinnati, OH 45211 – (513) 662-4300 – View Map
Picking an insurance agency needs to be determined by more than just the quoted price. Here are some questions you should ask.
- How much training do they have in personal risk management?
- What companies can they write with?
- Will they take your side in the event of a claim?
- Are you getting all the discounts the company offers?
- Do they carry Errors and Omissions coverage?
- Is their price quote a firm figure or are their hidden costs?
After talking to the agent and getting reasonable responses to your questions and locked in a price quote, you’ve probably found an insurance agent that is reliable enough to properly insure your vehicles. It’s important to know that it’s your policy and you can cancel coverage whenever you wish so never assume you are locked into any particular company for any length of time.
What is the best car insurance company in Ohio?
Choosing the right car insurance company can be difficult considering how many different companies sell coverage in Cincinnati. The ranking information displayed below can help you decide which companies you want to consider buying from.
Top 10 Cincinnati Car Insurance Companies Ranked by Value
- USAA
- GEICO
- AAA Insurance
- Erie Insurance
- State Farm
- Liberty Mutual
- Safeco Insurance
- Allstate
- 21st Century
- Travelers
Quote more to save more
When shopping online for insurance, do not reduce coverage to reduce premium. There have been many cases where drivers have reduced collision coverage and learned later that the savings was not a smart move. Your aim should be to purchase plenty of coverage at the best possible price, but do not skimp to save money.
Budget-friendly insurance in Cincinnati can be purchased online and with local Cincinnati insurance agents, so get free Cincinnati car insurance quotes from both of them to have the best chance of lowering rates. Some companies don’t offer online price quotes and these small insurance companies only sell through independent agencies.
Helpful articles
- Alcohol Impaired Driving FAQ (iihs.org)
- Who Has the Cheapest Car Insurance Rates for Drivers with a DUI in Cincinnati? (FAQ)
- Teen Driver Statistics (Insurance Information Institute)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)