The best way we recommend to get budget car insurance rates in Cincinnati is to make a habit of comparing prices annually from insurers who provide auto insurance in Ohio. You can shop around by following these guidelines.
- First, learn about what is in your policy and the factors you can control to keep rates down. Many things that increase rates such as traffic tickets, fender benders, and a poor credit rating can be amended by making minor changes in your lifestyle.
- Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Allstate, while independent agents can provide price quotes for a wide range of companies.
- Third, compare the quotes to the premium of your current policy and see if you can save money. If you can save some money and make a switch, verify that coverage does not lapse between policies.
- Fourth, provide notification to your current agent or company to cancel your existing policy. Submit a down payment and signed policy application to your new agent or company. As soon as you can, store the proof of insurance certificate with your vehicle’s registration.
A good tip to remember is that you use similar limits and deductibles on every quote request and and to analyze every company you can. This guarantees the most accurate price comparison and a complete selection of prices.
Shockingly, over 70% of consumers have been with the same company for four years or more, and almost 40% of drivers have never taken the time to shop around. The average driver in the United States could save 46.5% each year just by getting comparison quotes, but they underestimate how much money they would save if they switched.
Locating the best insurance company for you in Cincinnati is actually not that difficult if you follow our advice. In essence, anyone who buys auto insurance most likely will buy a cheaper policy. Although Ohio car owners can benefit by having an understanding of how companies compete online because rates are impacted by many factors.
Just remember that more quotes increases your odds of finding a lower rate than you’re paying now.
The companies in the list below provide free quotes in Cincinnati, OH. If your goal is to find cheap auto insurance in Cincinnati, it’s a good idea that you visit two to three different companies to get the most competitive price.
Affordable Pontiac Grand Prix insurance in Cincinnati
The price of auto insurance can be rather high, but there are discounts available that could drop your premiums quite a bit. Most are applied when you get a quote, but some discounts are required to be requested specifically in order for you to get them.
- Early Renewal Discounts – Some insurance companies give discounts for signing up prior to your current Grand Prix insurance policy expiring. You may see this discount when you get Cincinnati car insurance quotes online.
- ABS and Traction Control Discounts – Cars with ABS and/or traction control are safer to drive and therefore earn up to a 10% discount.
- Senior Citizens – If you’re over the age of 55, you are able to get a slight reduction on a Cincinnati car insurance quote.
- Military Discounts – Having a deployed family member could qualify you for better auto insurance rates.
- Multi-Vehicle Discounts – Drivers who insure all your vehicles on a single policy can get a discount for every vehicle.
- Savings for New Vehicles – Adding a new car to your policy may earn a small discount due to better safety requirements for newer models.
Please keep in mind that some credits don’t apply to the whole policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
A few popular companies and their possible discounts are outlined below.
- State Farm includes discounts for anti-theft, accident-free, good student, defensive driving training, and student away at school.
- GEICO discounts include seat belt use, multi-policy, emergency military deployment, anti-lock brakes, and five-year accident-free.
- Progressive may include discounts for good student, homeowner, continuous coverage, online signing, multi-vehicle, online quote discount, and multi-policy.
- 21st Century has discounts for defensive driver, early bird, student driver, theft prevention, 55 and older, automatic seat belts, and homeowners.
- American Family offers discounts for air bags, multi-vehicle, good driver, accident-free, TimeAway discount, defensive driver, and mySafetyValet.
- The Hartford may have discounts that include air bag, good student, driver training, vehicle fuel type, and bundle.
- AAA policyholders can earn discounts including multi-car, good driver, pay-in-full, AAA membership discount, good student, education and occupation, and multi-policy.
If you want affordable Pontiac Grand Prix insurance quotes, ask every insurance company which discounts you qualify for. A few discounts may not apply to policies in your state.
What Determines Pontiac Grand Prix Insurance Prices?
An important part of buying insurance is that you know some of the things that help determine your policy premiums. If you understand what impacts premium levels, this helps enable you to make changes that will entitle you to lower rates. Many different elements are part of the calculation when you get your auto insurance bill. Some are obvious such as traffic violations, but other criteria are not as apparent such as your marital status and annual miles driven.
The list below includes some of the things used by companies to determine your premiums.
Combine and save – Most major insurers afford better rates to people that purchase more than one policy. It’s known as a multi-policy discount. The discount can add up to five, ten or even twenty percent. If you currently are using one company, it’s still a good idea to check prices from other companies to ensure the best deal.
Never allow your coverage to lapse – Driving without insurance coverage in place is against the law and your next policy will cost more because you let your insurance expire. And not only will your rates increase, not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.
Infrequent drivers can save – The more you drive your Pontiac in a year’s time the more it will cost to insure it. Most insurance companies charge rates determined by how the vehicle is used. Cars and trucks that have low annual miles get more affordable rates than vehicles that have high annual mileage. An improperly rated Grand Prix may be costing you higher rates. It’s a smart idea to ensure your auto insurance declarations sheet is rated on the right rating data.
Do you know your physical damage deductibles? – Physical damage deductibles state the amount of money the insured will be required to pay if a covered claim is submitted. Physical damage insurance, also called comprehensive and collision insurance, is used to repair damage to your car. Some examples of claims that would be covered are a windshield broken by a bird, fire damage, and having a roll-over accident. The higher the amount you’re willing to pay, the bigger discount you will receive.
Insurance costs and vehicle performance – The performance of the vehicle you drive makes a huge difference in how high your rates are. The most favorable rates are for the lowest performance passenger cars, but that’s not the only thing that factors into the final price.
Insurance agents can help
A small number of people just want to have an agent’s advice and that is OK! One of the best bonuses of comparing rates online is you can get cheap auto insurance rates but also keep your business local.
Upon completion of this quick form, your insurance data is sent to companies in Cincinnati who will give you quotes for your coverage. There is no need to find an agent since price quotes are sent immediately to your email address. You can find better rates AND a local agent. If you wish to get a price quote from a particular provider, don’t hesitate to navigate to their website and fill out their quote form.
Finding the right provider is decision based upon more than just the bottom line cost. Any agent in Cincinnati should be forthright in answering these questions:
- Do they reduce claim amounts on high mileage vehicles?
- How much experience to they have in personal lines coverages?
- How would your car be valued if totaled?
- Can you use your own choice of collision repair facility?
- What is the financial rating for the quoted company?
- Does the company have a local claim office in Cincinnati?
Different types of auto insurance agents in Cincinnati
If you need to find an insurance agent, it can be helpful to understand the different types of agencies from which to choose. Agencies in Cincinnati are either independent (non-exclusive) or exclusive.
Exclusive Auto Insurance Agents
Exclusive agencies can only place business with one company like American Family, State Farm, and Allstate. Exclusive agencies are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are very knowledgeable on their company’s products which aids in selling service over price.
Below are exclusive insurance agencies in Cincinnati who can help you get price quotes.
Brad Robbins – State Farm Insurance Agent
3111 Mozart Ave – Cincinnati, OH 45211 – (513) 662-2200 – View Map
Beth Wilker – State Farm Insurance Agent
8406 Winton Rd – Cincinnati, OH 45231 – (513) 521-0884 – View Map
Richard Curry Jr – State Farm Insurance Agent
4953 Delhi Ave – Cincinnati, OH 45238 – (513) 451-5205 – View Map
Independent Agents (or Brokers)
Independent agencies are not locked into one company and that gives them the ability to insure amongst many companies and potentially find a lower price. If they find a cheaper price, they simply switch companies in-house without you having to go to a different agency.
If you need cheaper auto insurance rates, it’s recommended you get insurance quotes from multiple independent agents so that you can do a thorough price comparison.
Listed below are Cincinnati independent insurance agents that are able to give price quotes.
Young Robert
2035 Reading Rd – Cincinnati, OH 45202 – (513) 221-1140 – View Map
Ohio Insurance Center
7404 Hamilton Ave – Cincinnati, OH 45231 – (513) 522-6300 – View Map
Duffy Insurance Agency
7611 Cheviot Rd – Cincinnati, OH 45247 – (513) 861-5500 – View Map
Which policy gives me the best coverage?
Always remember that when buying the best auto insurance coverage for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.
These are some specific questions might help in determining whether your personal situation may require specific advice.
- Does my liability insurance cover pulling a trailer or camper?
- What does medical payments coverage do?
- What discounts do I qualify for?
- When would I need rental car insurance?
- Does my Pontiac Grand Prix qualify for pleasure use?
- Am I covered if I hit someone who is not insured?
- Is coverage enough to protect my assets?
If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.
Ohio car insurance company ratings
Insuring your vehicle with the highest-rated insurer is difficult considering how many different companies there are to choose from in Ohio. The company ratings below can help you decide which auto insurers you want to consider putting your business with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Smart consumers save more
As you prepare to switch companies, you should never buy poor coverage just to save money. In many instances, consumers will sacrifice uninsured motorist or liability limits only to find out that it was a big error on their part. Your focus should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.
People change insurance companies for any number of reasons including high prices, denial of a claim, delays in responding to claim requests or policy cancellation. It doesn’t matter what your reason, switching companies is easier than you think.
Throughout this article, we presented many tips how you can get a better price on Pontiac Grand Prix insurance in Cincinnati. The most important thing to understand is the more times you quote, the better likelihood of getting low cost Cincinnati car insurance quotes. You may even discover the lowest premium rates come from a company that doesn’t do a lot of advertising.
Other resources
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Who Has the Cheapest Cincinnati Car Insurance Quotes for a Ford Fusion? (FAQ)
- Who Has the Cheapest Cincinnati Car Insurance Rates for a Dodge Ram? (FAQ)
- What Insurance is Cheapest for a Ford F-150 in Cincinnati? (FAQ)
- Who Has the Cheapest Auto Insurance for a Honda Accord in Cincinnati? (FAQ)
- Crash Avoidance Technologies FAQ (iihs.org)
- Understanding Rental Car Insurance (Insurance Information Institute)