Anyone knows that auto insurance companies don’t want you to compare rates. Insureds who compare other rates are likely to move their business because the odds are good of finding a policy with better rates. A recent study showed that drivers who compared rates once a year saved $865 annually as compared to drivers who never compared other company’s rates.
If finding the lowest price on car insurance in Cincinnati is your ultimate objective, then understanding how to find companies and compare insurance rates can make it simple to find affordable coverage.
If saving the most money is your goal, then the best way to find cheaper quotes for car insurance rates is to compare prices annually from providers who provide car insurance in Cincinnati.
- Get a basic knowledge of what is in your policy and the measures you can control to keep rates down. Many rating criteria that increase rates like multiple speeding tickets and a lousy credit rating can be controlled by making lifestyle changes or driving safer. Continue reading for more information to help reduce premium rates and get bigger discounts that may have been overlooked.
- Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like GEICO or State Farm, while independent agencies can provide rate quotes for a wide range of companies. Begin your rate comparison
- Compare the new rate quotes to your existing coverage to see if switching to a new carrier will save money. If you find better rates, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Tell your current company to cancel the current policy. Submit the signed application along with the required initial payment for your new coverage. As soon as coverage is bound, keep your new certificate verifying coverage in your vehicle.
An important part of this process is to make sure you enter identical limits and deductibles on each quote request and and to compare as many companies as you can. This enables a fair price comparison and a thorough selection of prices.
If you have insurance now or are shopping for new coverage, take advantage of these tips to buy cheaper insurance and still have adequate protection. Choosing the best rates in Cincinnati is actually quite easy if you know where to start. Smart buyers only have to learn the best way to shop their coverage around from many different companies online.
Getting a more affordable price on insurance doesn’t have to be difficult. Consumers just need to take a couple of minutes to compare rates to discover which company has cheaper Cincinnati auto insurance quotes.
Doing online quotes comparisons is so easy that it replaces the need to drive to insurance agents’ offices. Comparing Nissan Titan XD insurance rates online makes this process obsolete unless you have a complicated situation and need the trained guidance of a licensed agent. It is possible with some companies obtain prices from the web but still have the advice of a local agent.
The companies shown below offer price quotes in Cincinnati, OH. To get cheap car insurance in Cincinnati, we recommend you visit two to three different companies to get a more complete price comparison.
Do I need special coverages?
When it comes to choosing insurance from an agent or online, there really is not a one size fits all plan. Every insured’s situation is different.
Here are some questions about coverages that might point out whether you may require specific advice.
- When does my teenage driver need to be added to my policy?
- Are my company tools covered if they get stolen?
- Do I need roadside assistance coverage?
- How does medical payments coverage work?
- Can I rent a car in Mexico?
- Can I insure my car for more than it’s worth?
- Where can I find DUI or SR-22 insurance?
- Will filing a claim cost me more?
- What should my uninsured motorist coverage limits be in Ohio?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.
Neighborhood agents and auto insurance
A small number of people just prefer to go talk to an agent and that can be a smart move Agents are highly skilled in risk management and help in the event of a claim. One of the best bonuses of comparing auto insurance online is you can get lower premium rates and also buy local. Supporting neighborhood agents is definitely important in Cincinnati.
To make it easy to find an agent, after completing this short form, your insurance coverage information gets sent to insurance agents in Cincinnati who will gladly provide quotes for your business. You never need to contact an agency as quotes are delivered to the email address you provide. In the event you want to quote rates for a specific company, just search and find their rate quote page and complete a quote there.
If you need to find a reputable insurance agent or broker, it can be helpful to understand the different types of agencies that differ in how they can insure your vehicles. Agents in Cincinnati may be either independent or exclusive depending on the company they work for. Both types of agents can sell auto insurance policies, but it is a good idea to know the subtle differences because it can impact buying decisions.
Independent Auto Insurance Agencies
Independent insurance agents do not write with just one company so they can quote policies with a variety of different insurance companies and help determine which has the cheapest rates. If they find a cheaper price, your agent can just switch to a different company and you stay with the same agent. If you are comparing auto insurance prices, you should always include price quotes from a few independent agents to get the best comparison.
The following is a small list of independent agents in Cincinnati that may be able to provide price quotes.
Christenson Lewis Insurance Agency
4484 Mt Carmel Tobasco Rd – Cincinnati, OH 45244 – (513) 528-4222 – View Map
Dabbelt Insurance LLC
5932 Glenway Ave – Cincinnati, OH 45238 – (513) 451-8050 – View Map
Meissner Insurance Agency
3710 Harrison Ave – Cincinnati, OH 45211 – (513) 661-4426 – View Map
Exclusive Insurance Agents
Exclusive agencies can only place business with one company and examples are State Farm, Allstate, and Farm Bureau. They are unable to provide other company’s prices so they are skilled at selling on more than just price. Exclusive insurance agents receive extensive training on their products and sales techniques which helps them sell insurance even at higher premiums.
Shown below are Cincinnati exclusive insurance agents who can help you get comparison quotes.
Mike Schweppe – State Farm Insurance Agent
5956 Glenway Ave – Cincinnati, OH 45238 – (513) 922-1442 – View Map
Farmers Insurance – Shellie Burke
4734 Vine St – Cincinnati, OH 45217 – (513) 242-2777 – View Map
Letitia Fulkerson – State Farm Insurance Agent
882 Ohio Pike – Cincinnati, OH 45245 – (513) 752-2144 – View Map
Picking the best auto insurance agent should include more criteria than just a cheap price quote. Any agent in Cincinnati should be willing to answer these questions.
- How long has their agency been open in Cincinnati?
- Can you choose the body shop in case repairs are needed?
- How often do they review policy coverages?
- Will the company cover a rental car if your car is getting fixed?
- Will a damage claim use OEM or aftermarket replacement parts?
- Where would your vehicle be repaired?
- If independent agents, which companies do they recommend?