Unimaginable but true, most insurance policyholders in Ohio kept their policy with the same company for a minimum of four years, and nearly half have never quoted rates to find lower-cost coverage. American drivers could cut their rates by $860 a year just by shopping around, but they won’t spend time to find lower-cost rates by getting comparison quotes.
The easiest way to save on auto insurance rates is to compare quotes annually from insurers who sell auto insurance in Cincinnati. You can compare rates by completing these steps.
First, try to learn a little about the coverage provided by your policy and the modifications you can make to keep rates low. Many rating factors that drive up the price like tickets, at-fault accidents, and a bad credit rating can be remedied by making minor changes to your lifestyle. Later in this article we will cover tips to help reduce prices and find discounts that may have been missed.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like GEICO or State Farm, while independent agencies can quote prices from multiple insurance companies. Click to view companies
Third, compare the price quotes to the price on your current policy to see if switching to a new carrier will save money. If you find a lower rate quote and buy the policy, make sure there is no lapse in coverage.
Fourth, give proper notification to your current agent or company to cancel your current policy and submit the required down payment along with the signed application for the new coverage. As soon as coverage is bound, place the new certificate verifying proof of insurance in an accessible location in your vehicle.
One important bit of advice is to make sure you enter the same level of coverage on each price quote and and to get quotes from as many companies as possible. Doing this enables the most accurate price comparison and and a good selection of different prices.
The providers in the list below are ready to provide price quotes in Ohio. To get cheap auto insurance in Cincinnati, we suggest you visit two to three different companies to get the best price comparison.
Get cheaper Nissan Maxima insurance in Cincinnati with discounts
Insuring your fleet can be pricey, but you might find some hidden discounts to cut the cost considerably. Many discounts should be triggered at the time of purchase, but a few must be specially asked for before you will receive the discount.
- Government Employees – Employees or retirees of the government could cut as much as 10% off with some auto insurance companies.
- No Claims – Insureds with no claims or accidents can earn big discounts as compared to accident-prone drivers.
- Discounts for Safe Drivers – Drivers who don’t get into accidents can save as much as half off their rates than less cautious drivers.
- Life Insurance – Select insurance carriers reward you with better premium rates if you take out life insurance.
- Driver Education Discount – It’s a good idea to have your young drivers participate in a local driver’s education class as it will make them better drivers and lower rates.
Consumers should know that most discounts do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Despite the appearance that it’s possible to get free car insurance, that’s just not realistic.
The example below visualizes the comparison of Nissan Maxima yearly insurance costs with and without discounts applied to the premium. The price estimates are based on a female driver, no claims or driving citations, Ohio state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, multi-car, claim-free, and marriage discounts applied.
Popular auto insurance companies and the discounts they provide are detailed below.
- American Family may have discounts that include defensive driver, good driver, accident-free, good student, and air bags.
- Nationwide may offer discounts for Farm Bureau membership, defensive driving, multi-policy, good student, easy pay, business or organization, and anti-theft.
- MetLife offers premium reductions for defensive driver, good student, claim-free, accident-free, multi-policy, and good driver.
- 21st Century discounts include automatic seat belts, air bags, homeowners, 55 and older, student driver, anti-lock brakes, and teen driver.
- Farmers Insurance has savings for multi-car, switch companies, early shopping, teen driver, mature driver, alternative fuel, and good student.
- Allstate policyholders can earn discounts including farm vehicle, defensive driver, 55 and retired, economy car, and anti-theft.
When getting free Cincinnati auto insurance quotes, it’s a good idea to each company what discounts are available to you. All car insurance discounts might not apply in every state. If you would like to see a list of insurance companies that provide some of the discounts listed above in Ohio, click here to view.
Nissan Maxima insurance analysis
The premium information displayed below showcases estimates of prices for Nissan Maxima models. Learning how insurance premiums are figured can assist in making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Maxima 3.5 S | $138 | $234 | $214 | $12 | $64 | $662 | $55 |
| Maxima 3.5 SV | $138 | $268 | $214 | $12 | $64 | $696 | $58 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price estimates do not factor in your specific Cincinnati location which can revise premiums considerably.
Comparison of policy deductibles
One of the more difficult decisions when buying car insurance is where to set your physical damage deductibles. The rates below summarize the rate difference between high and low physical damage deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Maxima 3.5 S | $220 | $348 | $226 | $14 | $68 | $901 | $75 |
| Maxima 3.5 SV | $220 | $400 | $226 | $14 | $68 | $953 | $79 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Maxima 3.5 S | $180 | $280 | $226 | $14 | $68 | $768 | $64 |
| Maxima 3.5 SV | $180 | $324 | $226 | $14 | $68 | $812 | $68 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Table data does not factor in specific zip code location which can impact premium rates noticeably.
Using the data above, we can ascertain that using a $250 deductible costs about $11 more each month or $132 every year than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 23 months between claims, you would save more money if you choose the higher deductible.
The information below shows how different deductible levels and can increase or decrease Nissan Maxima annual premium costs for each age group. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
Full coverage versus liability-only
The example below illustrates the difference between Nissan Maxima premium costs with and without full coverage. The data is based on no claims, a clean driving record, $500 deductibles, single status, and no additional discounts are factored in.
When to stop buying physical damage coverage
There is no definitive formula to stop buying comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Nissan Maxima claim settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $5,000 after you pay the deductible. If you are currently paying more than $500 a year for your policy with full coverage, then you might want to think about dropping full coverage.
There are a few cases where removing full coverage is not recommended. If you haven’t paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.
How You Can Control Nissan Maxima Insurance Premiums
It’s important that you understand the rating factors that help calculate your car insurance rates. If you have some idea of what influences your rates, this helps enable you to make changes that may result in lower rates. Lots of factors are used in the calculation when pricing auto insurance. Some factors are common sense such as traffic violations, but other factors are more obscure such as your credit history or how safe your car is.
Cautious drivers pay lower prices – A bad driving record impacts premiums far more than you think. Careful drivers get better prices compared to bad drivers. Getting just one chargeable violation can increase the cost of insurance twenty percent or more. Drivers who have gotten license-revoking citations such as reckless driving or DUI might be required by their state to submit a SR-22 form with their state motor vehicle department in order to continue driving.
The diagram below demonstrates how speeding tickets and at-fault accidents influence Nissan Maxima auto insurance costs for different age groups. The rates are based on a single male driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
Drive a safer car and pay less – Cars with high safety ratings get lower rates. Vehicles built for safety have better occupant injury protection and fewer injuries means lower claim amounts passed on to you as lower rates.
Save by driving less – The more miles you rack up on your Nissan in a year’s time the higher the price you pay to insure it. A lot of insurance companies apply a rate determined by how the vehicle is used. Vehicles that are left in the garage get more affordable rates than those that get driven frequently. It’s a good idea to make sure your policy correctly shows the right rating data, because it can save money. Having an incorrect usage rating on your Maxima may be wasting your money.
Bundle policies with the same company – Most major companies afford discounts for people who carry more than one policy in the form of a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount drivers will still want to check prices from other companies to confirm you are receiving the best rates possible.
Local Cincinnati car insurance agents
Some consumers would prefer to go talk to an agent and often times that is recommended Professional agents can make sure you are properly covered and help you file claims. The biggest benefit of comparing rate quotes online is that you can obtain the best rates and still buy from a local agent. And supporting local insurance agencies is especially important in Cincinnati.
Upon completion of this short form, your coverage information is instantly submitted to local insurance agents in Cincinnati who will return price quotes to get your business. You never need to search for an agent since rate quotes are delivered instantly to you. If you wish to quote rates from one company in particular, you just need to search and find their rate quote page and submit a quote form there.
Pick the best auto insurance agent in Cincinnati for you
If you’re trying to find local Cincinnati agents, you should know the different agency structures and how they can write your policy. Cincinnati agents can be categorized as either independent (non-exclusive) or exclusive. Either one can sell auto insurance policies, but we need to point out the difference in how they write coverage since it may influence your agent selection.
Independent Auto Insurance Agents (or Brokers)
These agents often have many company appointments and that allows them to write policies with a variety of different insurance companies and help determine which has the cheapest rates. To move your coverage to a new company, they simply move the coverage in-house and you stay with the same agent.
When comparing auto insurance prices, we recommend you include rate quotes from a couple of independent agencies in order to have the best price comparison. Most also write with companies you’ve never heard of which can be an advantage.
Below are Cincinnati independent agents that may be able to provide free price quotes.
- Zimmer Insurance Agency
2148 Gilbert Ave – Cincinnati, OH 45206 – (513) 381-1919 – View Map - Advantage Insurance Network LLC
4739 Delhi Ave – Cincinnati, OH 45238 – (513) 922-9460 – View Map - Kinker-Eveleigh Insurance Agency
7750 Montgomery Rd – Cincinnati, OH 45236 – (513) 891-6615 – View Map
Exclusive Insurance Agencies
Agents that choose to be exclusive can only write with one company such as Allstate, State Farm and Farm Bureau. These agents are unable to place coverage with different providers so you might not find the best rates. Exclusive insurance agents are usually well trained on their products and sales techniques and that allows them to sell at a higher price point. Some consumers prefer to choose to use an exclusive agent mainly due to the brand name and the convenience of having all coverages with one company.
Listed below is a short list of exclusive insurance agencies in Cincinnati who can help you get comparison quotes.
- American Family Insurance – Barbara Hall
4010 N Bend Rd Ste 300 – Cincinnati, OH 45211 – (513) 347-9492 – View Map - Rick Wertz – State Farm Insurance Agent
7736 Beechmont Ave – Cincinnati, OH 45255 – (513) 231-0100 – View Map - Richard Curry Jr – State Farm Insurance Agent
4953 Delhi Ave – Cincinnati, OH 45238 – (513) 451-5205 – View Map
Selecting a insurance agency requires more thought than just a cheap quote. These questions are important to ask:
- Can you choose the body shop in case repairs are needed?
- Which insurance companies are they affiliated with?
- Do they offer claims assistance after hours?
- Do they specialize in personal lines auto insurance in Cincinnati?
- If you have an accident, will your rates go up?
- Do they receive special compensation for putting your coverage with one company over another?
When in doubt talk to an agent
When choosing insurance from an agent or online for your personal vehicles, there really isn’t a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply.
For instance, these questions could help you determine if your situation would benefit from an agent’s advice.
- When would I need additional glass coverage?
- What if I total my Nissan Maxima and owe more than it’s worth?
- I have health insurance so do I need medical payments coverage?
- Should I file a claim if it’s only slightly more than my deductible?
- Are rock-chip repairs free?
- Am I covered if I drive in a foreign country?
- When can my company non-renew my policy?
- Do I really need UM/UIM coverage?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, free and may give you better protection.
The best rates come from being thorough
Throughout this article, we presented quite a bit of information on how to lower your Nissan Maxima insurance auto insurance rates in Cincinnati. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your premium rates. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies can often provide lower premium rates in certain areas as compared to the big name companies such as Allstate and Progressive.
Cheaper car insurance in Cincinnati is definitely available both online in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers do not offer rate quotes online and most of the time these smaller companies provide coverage only through independent agents.
More learning opportunities
- Medical Payments Coverage (Liberty Mutual)
- How Much is Car Insurance for a Jeep Grand Cherokee in Cincinnati? (FAQ)
- How Much is Cincinnati Auto Insurance for a Toyota Highlander? (FAQ)
- Tread Depth and Tire Safety (State Farm)
- Avoiding Deer Collisions (Insurance Information Institute)
- Parking Tips to Reduce Door Dings (State Farm)