Professional Tricks to Saving Money on Cincinnati Ohio Auto Insurance

If you’ve never shopped for auto insurance online, you may be confused by the sheer number of auto insurance companies vying for business in Cincinnati.

You should make it a habit to do rate comparisons on a regular basis since rates go up and down regularly. Just because you found the best rates a few years ago there may be better deals available now. There is a lot of bad information regarding auto insurance on the web, but with this article, you’re going to get some proven techniques to find cheap auto insurance.

Finding affordable coverage in Cincinnati can be fairly easy. If you are insured now or need new coverage, you can use this information to find better prices and possibly find even better coverage. Ohio drivers just need to know the most efficient way to shop online.

Cut your premium with discounts

Insurance can cost an arm and a leg, but there could be available discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you quote, but some must be manually applied before being credited. If you’re not getting every credit possible, you’re paying more than you need to.

  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less than their less cautious counterparts.
  • Multiple Cars – Buying coverage for all your vehicles on one policy qualifies for this discount.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% since new cars are generally safer.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.

Keep in mind that most credits do not apply the the whole policy. Most only cut specific coverage prices like medical payments or collision. So despite the fact that it appears you could get a free auto insurance policy, companies wouldn’t make money that way. But all discounts will cut your premiums.

For a list of insurance companies with the best auto insurance discounts in Cincinnati, follow this link.

Car insurance is unique, just like you

When it comes to buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions can aid in determining if you could use an agent’s help.

  • Should I buy additional glass protection?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need roadside assistance coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do no-fault laws apply in Ohio?
  • When should I drop full coverage on my vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Does my insurance cover a custom paint job?
  • Am I covered when driving a rental car?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can help protect your family.

Compare online but buy from a local Cincinnati agent

Some people would prefer to buy from a licensed agent and that is OK! Agents can answer important questions and give you peace of mind. One of the great benefits of getting online price quotes is the fact that you can find lower rates but still work with a licensed agent. And supporting local agencies is important particularly in Cincinnati.Ohio auto insurance

After filling out this short form, the coverage information is instantly submitted to participating agents in Cincinnati who will battle to get your business. You never need to leave your house because quoted prices will be sent straight to your inbox. How cool is that?!

Shown below are agents in Cincinnati that can give you price quote information.

  • State Farm Insurance – 2700 E Kemper Rd, Cincinnati, OH 45241 – (513) 772-2300
  • Dietsch Harten Insurance – 2117 Beechmont Ave, Cincinnati, OH 45230 – (513) 232-1362
  • Liberty Mutual Bond Svc – 8044 Montgomery Rd # 150, Cincinnati, OH 45236 – (513) 984-2222
  • General Automobile Insurance – 7617 Reading Rd # 114, Cincinnati, OH 45237 – (513) 841-0200
  • Heritage Financial Agency – 4055 Executive Park Dr # 115, Cincinnati, OH 45241 – (513) 733-8998
  • Allstate Insurance Co – 8683 Fields Ertel Rd, Cincinnati, OH 45249 – (513) 489-4688
  • Farmers Insurance Group – 2040 Anderson Ferry Rd, Cincinnati, OH 45238 – (513) 451-2016

To view a complete directory of auto insurance agents in Cincinnati, click here to link.

Selecting an provider needs to be determined by more than just the premium amount. These questions are important to ask:

  • Do they make recommendations based only on price?
  • Are claims handled at the agent’s location?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Is assistance available after office hours?

Upon receiving answers to your satisfaction for all questions you ask and locked in a price quote, chances are good that you have found an insurer that is a good match to service your policy.

Can you really save $463 a year?

Consumers in Ohio can’t get away from ads for car insurance savings by 21st Century, Allstate and State Farm. They all make an identical promise that you can save if you switch to their company.

How do they all claim to save you money?

Different companies have a certain “appetite” for the type of customer that earns them a profit. A good example of a driver they prefer might be between the ages of 40 and 55, has no tickets, and has a short commute. A driver who fits that profile will qualify for the lowest rates and most likely will save when switching.

Potential customers who don’t qualify for the “perfect” profile will be charged a higher premium and ends up with business going elsewhere. The ads say “customers who switch” but not “drivers who get quotes” save that much. This is how companies can make those claims.

That is why drivers should get as many comparisons as possible. It is impossible to predict which insurance companies will have the lowest rates.

Ohio auto insurance

Additional reading for auto insurance information

Additional auto insurance information can be read on the Ohio Department of Insurance website located here. Ohio drivers can file complaints about a company, find a variety of consumer forms, file complaints about an insurance agent or broker, and read consumer alerts.

Additional helpful sites include’s Car Insurance: When not to Skimp and this resource to find Cincinnati, OH insurance agents.

Cheaper insurance is a realistic goal

We just showed you quite a bit of information on how to save on auto insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the best prices are with a smaller regional carrier.

As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, someone sacrificed uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Consumers who switch companies do it for many reasons like poor customer service, not issuing a premium refund, high rates after DUI convictions or even being labeled a high risk driver. Whatever your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.