Amazingly, a recent NerdWallet.com study showed that most drivers kept their coverage with the same car insurance company for at least the last four years, and approximately 40% of consumers have never even compared rates from other companies. Many consumers in Cincinnati could save an average of approximately $700 each year just by comparing rates, but they don’t want to take the time to save money by comparing rate quotes.
Truthfully, the best way to find lower priced Volvo V90 insurance in Cincinnati is to annually compare prices from providers in Ohio.
First, try to learn a little about how car insurance works and the measures you can control to keep rates low. Many things that result in higher prices like distracted driving and an unacceptable credit rating can be remedied by paying attention to minor details.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes for many different companies. View insurance agents
Third, compare the new rate quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a lower rate and switch companies, make sure there is no coverage gap between policies.
Fourth, provide adequate notice to your current company of your decision to cancel your current policy. Submit any necessary down payment along with the completed application to your new insurance company. Once coverage is bound, keep your new proof of insurance certificate in an easily accessible location.
An important note is to make sure you enter the same coverage limits and deductibles on each price quote and and to get rate quotes from as many companies as feasibly possible. This helps ensure an apples-to-apples comparison and many rates to choose from.
How to find affordable Volvo V90 insurance in Cincinnati, OH
Just keep in mind that more quotes helps improve the odds of finding the best rates.
The providers in the list below have been selected to offer free rate quotes in Ohio. To get cheap auto insurance in Cincinnati, OH, we recommend you visit as many as you can to get the most affordable price.
These discounts can lower your auto insurance quotes
Auto insurance is not inexpensive, but there may be some discounts to help offset the cost. Many of these discounts will be applied automatically at the time of purchase, but some need to be asked about in order for you to get them.
- Early Signing – Some companies reward drivers for signing up prior to your current V90 insurance policy expiration. It can save you around 10%.
- Accident Waiver – Not necessarily a discount, but a few companies such as Progressive and Allstate will forgive one accident without raising rates so long as you are claim-free prior to the accident.
- Employee of Federal Government – Federal government employees could qualify for a slight premium decrease with a few auto insurance companies.
- Student in College – Older children who live away from home to go to college and do not have a car can receive lower rates.
- Defensive Driver Discount – Taking part in a driver safety course is a good idea and can lower rates if you qualify.
- New Vehicle Savings – Buying a new car instead of a used V90 can cost up to 25% less because newer vehicles keep occupants safer.
- Onboard Data Collection – Insureds who allow their auto insurance company to spy on vehicle usage by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they exhibit good driving behavior.
As a disclaimer on discounts, some of the credits will not apply to the entire cost. A few only apply to specific coverage prices like medical payments or collision. So when the math indicates all the discounts add up to a free policy, it’s just not the way it works.
The best auto insurance companies and a partial list of their discounts are shown below.
- Progressive has savings for multi-vehicle, multi-policy, homeowner, online quote discount, and continuous coverage.
- GEICO may include discounts for good student, daytime running lights, multi-policy, driver training, and five-year accident-free.
- State Farm may have discounts that include accident-free, passive restraint, multiple autos, multiple policy, good student, Steer Clear safe driver discount, and anti-theft.
- Esurance offers discounts including online shopper, anti-theft, claim free, good student, anti-lock brakes, and renters.
- The Hartford has discounts for anti-theft, bundle, air bag, defensive driver, driver training, vehicle fuel type, and good student.
If you want affordable Volvo V90 insurance quotes, ask each company or agent which credits you are entitled to. Some of the discounts discussed earlier may not apply to policies everywhere. If you would like to see a list of auto insurance companies that provide some of the discounts listed above in Ohio, click here.
Local Cincinnati car insurance agents
Certain consumers would rather sit down and talk to an agent and that is a smart decision One of the great benefits of comparing rate quotes online is you can get cheap auto insurance quotes and also buy local. And providing support for local insurance agencies is definitely important in Cincinnati.
Once you complete this short form, your coverage information is emailed to agents in your area that can provide free Cincinnati car insurance quotes for your business. It’s much easier because you don’t need to find an agent since rate quotes are delivered immediately to you. You can most likely find cheaper rates AND an agent nearby. If you need to quote rates for a specific company, you can always find their quoting web page to submit a rate quote request.
Selecting an insurer requires you to look at more than just a cheap quote. Any agent in Cincinnati should be forthright in answering these questions:
- Which insurance company do they prefer to write with?
- Will the quote change when the policy is issued?
- Do you need full coverage on every vehicle?
- Is the agent and/or agency licensed to do business in Ohio?
- Are they involved in claim handling?
- How often do they review coverages?
- Can glass repairs be made at your home?
- How many years have they been established?
The Volvo V90 Insurance Premium Equation
Multiple criteria are taken into consideration when pricing auto insurance. Some of the criteria are obvious such as traffic violations, but other criteria are more transparent such as your credit history or your vehicle rating.
The items below are a partial list of the pieces used by your company to calculate your premiums.
- Be proud to be claim-free – If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Companies in Ohio generally give cheaper rates to insureds who do not rely on their insurance for small claims. Your car insurance is intended for major claims that would cause financial hardship.
- Premiums are high for teenagers – Teen drivers in Ohio are known to be inattentive when driving therefore auto insurance rates are much higher. Older drivers have been proven to be more responsible, tend to cause fewer accidents, and usually have better credit.
- Vehicle options can affect rates – Buying a car that has an advanced theft prevention system can earn a premium discount. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms all help stop vehicle theft.
- High credit rating translates to low prices – Having a good credit score is a big factor in your rate calculation. People that have very high credit ratings tend to file fewer claims than those with poor credit scores. If your credit leaves room for improvement, you could be paying less to insure your Volvo V90 by improving your rating.
- Don’t let your auto insurance lapse – Having an insurance coverage lapse is a sure-fire way to increase your renewal premiums. In addition to paying higher premiums, getting caught without coverage could earn you a steep fine or even jail time.
- Where you live is a factor – Choosing to live in areas with lower population can be a good thing when shopping for auto insurance. Fewer drivers means reduced accidents and a lower car theft rate. City drivers regularly have traffic congestion and more severe claims. More time behind the wheel translates into higher accident risk.
- Bad driving means higher costs – Just one moving violation can boost insurance rates by twenty percent. Careful drivers receive lower rates as compared to careless drivers. Drivers who have received multiple citations such as hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) with their state in order to legally drive.
- More stress means more cost – Occupational choices like military generals, air traffic controllers, and medical professionals tend to have higher premium rates because of high stress and lots of time spent away from family. On the other hand, occupations like farmers, athletes and the unemployed get better rates.
Choosing V90 insurance is an important decision
Despite the fact that car insurance is not cheap in Cincinnati, insurance is required by state law in Ohio and it also provides benefits you may not be aware of.
First, the majority of states have mandatory liability insurance requirements which means you are required to buy specific limits of liability insurance coverage in order to drive the car. 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.
Second, if you have a lien on your vehicle, most lenders will force you to have full coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank may insure your Volvo at a more expensive rate and require you to fork over a much higher amount than you were paying before.
Third, car insurance protects not only your car but also your assets. It also can pay for hospital and medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of insuring your V90 more than cancel out the cost, especially for larger claims. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $700 annually so we recommend shopping around at every policy renewal to help ensure money is not being wasted.
How to find a good Ohio car insurance company
Finding the top auto insurance provider can be challenging considering how many companies there are in Ohio. The company information in the lists below may help you decide which coverage providers to look at purchasing coverage from.
| 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
Cheaper car insurance rates are possible
We covered some good ideas how you can shop for Volvo V90 insurance online. The key concept to understand is the more companies you get auto insurance rates for, the better your comparison will be. You may even discover the best rates are with an unexpected company.
Some car insurance companies don’t offer the ability to get a quote online and many times these regional carriers only sell coverage through local independent agencies. The cheapest Volvo V90 insurance in Cincinnati is possible on the web in addition to many Cincinnati insurance agents, so compare prices from both so you have a total pricing picture.
When searching for affordable Cincinnati car insurance quotes, it’s not a good idea to skimp on coverage in order to save money. Too many times, someone dropped collision coverage to discover at claim time that it was a big error on their part. Your strategy should be to get the best coverage possible at the lowest possible cost.
More information can be read at the links below
- Child Safety FAQ (iihs.org)
- What is the Best Cheap Car Insurance in Cincinnati, Ohio? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Single Moms in Cincinnati? (FAQ)
- Who Has Cheap Cincinnati Auto Insurance for State Employees? (FAQ)
- Who Has the Cheapest Cincinnati Auto Insurance Rates for Retired Military? (FAQ)
- Teen Driving and Texting (State Farm)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)