Compare Car Insurance Pricing From Cincinnati Ohio Insurance Agencies

To locate a good insurance agent in Cincinnati, Ohio, it’s recommended you start your research by comparing prices online rather than looking in the yellowpages. We’re assuming you’re looking for a good professional insurance agent, but also great rates as well.

With Farmers, Allstate, and independent agents having local Cincinnati offices, it can be hard to know which one will have the best rates, service and coverage. Fortunately, consumers can use online quoting to assemble a group of insurance agencies and price estimates.

Neighborhood insurance agents

Insurance agents can help determine the best coverages and help submit paperwork. The biggest benefit of comparing insurance prices online is you may find better rates but still work with a licensed agent. Buying from local insurance agencies is especially important in Cincinnati.

After completing this form (opens in new window), your insurance data gets sent to participating agents in Cincinnati who will compete for your coverage. There is no reason to drive around because quoted prices will be sent straight to your inbox. How’s that for easy! It’s the lowest rates and a licensed agent to work with.

Two types of insurance agents

When researching an insurance agent, there are two different agency structures from which to choose. Agencies in Cincinnati are classified as either independent (non-captive) or captive.

Independent Agents (or Brokers)

These agents are not required to write business for one company but instead can place your coverage with many different companies depending on which coverage is best. If your agent finds better pricing, the business is moved internally and you don’t have to find a new agent.

When comparing rates, it’s recommended you contact at least one independent agent for the best price selection.

The following are independent insurance agents in Cincinnati that can give you rate quotes.

Collins’ Agency – 7374 Reading Rd – Cincinnati, OH 45237 – (513) 631-0629
Carol Braun Agency – 1060 Nimitzview Dr # 2a – Cincinnati, OH 45230 – (513) 233-2300
Atlas Insurance – 525 Pete Rose Way # 37 – Cincinnati, OH 45202 – (513) 721-3778
Lickdyke Insurance – 9200 Montgomery Rd # 12b – Cincinnati, OH 45242 – (513) 792-3544
Tassett Agency Inc – 3634 Glenmore Ave – Cincinnati, OH 45211 – (513) 661-6330

Captive Insurance Agents

Captive agencies can only place business with one company and examples are State Farm, Allstate and AAA. They are unable to provide prices from multiple companies so it’s a take it or leave it situation. Captive agencies are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums.

Below are captive agents in Cincinnati who can help you get price quotes.

Allstate Insurance – 3445 N Bend Rd – Cincinnati, OH 45239 – (513) 481-6465
Liberty Mutual Insurance – 10101 Alliance Rd # 300 – Cincinnati, OH 45242 – (513) 984-0550
Farmers Insurance Group – 6125 E Kemper Rd – Cincinnati, OH 45241 – (513) 489-6881
State Farm Insurance – 5420 North Bend Rd # 200 – Cincinnati, OH 45247 – (513) 661-0400
American Family Insurance – 5040 Delhi Ave – Cincinnati, OH 45238 – (513) 922-2100

For a complete listing of Cincinnati captive agents, visit this site.

Selecting a car insurance agent should depend on more than just the bottom line cost. These questions are important to ask:

  • Do the companies they represent have a solid financial rating?
  • Are they able to influence company decisions when a claim is filed?
  • Can they provide you with a list of referrals?
  • What insurance companies do they work with?
  • How often do they review policy coverages?
  • What insurance companies do they recommend if they are an independent agent?

After receiving positive responses to all your questions and a low price estimate, most likely you have located a car insurance agent that will provide car insurance coverage.

When might I need the advice of an agent?

When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions could help you determine whether your personal situation might need professional guidance.

  • Do I need higher deductibles?
  • Do I need special endorsements for business use of my vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Which companies will insure high-risk drivers?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • How much liability do I need to cover my assets?
  • What can I do if my company denied a claim?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent.

Alternatives to buying from an agent

Insurance agents can be invaluable at times, but Ohio car insurance can also be bought from online companies direct. Some specific companies who sell through the agent channel also give you the ability to buy direct on their websites, so this should also be taken into consideration if you want to do it yourself.

If you’re uncomfortable with selecting your own policy coverages when shopping online, that shouldn’t be an issue. Auto insurance companies all have client service departments for getting questions answered.

Are online premiums lower? Many people think so, but it’s hard to say for sure because there are so many things that impact your final bill. Common sense would say that buying direct lowers rates due to not having any agent compensation. But that assumption is generally incorrect because getting their brand in front of customers is expensive so the rates may be similar to buying from an agent.

The best insurance company isn’t always the cheapest

Cheaper car insurance can be purchased from both online companies and also from your neighborhood Cincinnati agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

Cincinnati auto insurance

Drivers change insurance companies for a variety of reasons including policy cancellation, policy non-renewal, being labeled a high risk driver and even delays in paying claims. No matter why you want to switch, switching car insurance companies is not as hard as you think.

Additional information can be found on the website for the Ohio Department of Insurance. Click here for link. Ohio drivers can read state legal mandates and laws, discover disciplinary actions, download brochures, and report car insurance fraud.

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