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Are you looking for accident forgiveness insurance in Cincinnati? Call 513-662-7000 to speak with a local representative to learn whether or not this option is best for you. You can also receive an online car insurance quote in all 50 states by clicking here.

Accident forgiveness insurance in Cincinnati, is it worth the price?

How badly do insurance companies surcharge your car insurance in Cincinnati for accidents when you select the accident forgiveness program?

In a previous article we discussed the additional premium that you must pay to obtain accident forgiveness on car insurance in Cincinnati.  Let’s assume that you are tempted to buy one of these options because you have a history of causing accidents.

How badly will the company surcharge your premium if you already have one accident on your record and you want the option of accident forgiveness?  Let’s find out

In this new quote example were adding my 17-year-old son to the policy driving a 1998 Honda Accord with liability only. (Allstate insurance offers three coverage packages on car insurance in Cincinnati, Silver, Gold, & Platinum.)

First quote scenario with Allstate insurance in Cincinnati- No tickets or accidents for any driver

1.        The Silver package- $203 per month 
2.        The Gold package – $219 per month
3.        The platinum package- $234 per month

The second quote scenario with Allstate insurance in Cincinnati- My 17-year-old son has an accident and one ticket

1.        The Silver package- $289 per month
2.        The Gold package – $314 per month
3.        The platinum package- $336 per month

When you receive Allstate car insurance quotes in Cincinnati there is a 17% difference in price between the Silver package which does not extend accident forgiveness, and the platinum car insurance packages Allstate insurance offers.  (In this quote instance)

So in other words if you have an accident prone driver in your house that already has one accident, and you decide that you want accident forgiveness you are going to pay nearly $600 more per year with Allstate to have the accident forgiveness program.  Assuming that you never have an accident again this is definitely a worse deal for you because you will be overpaying on your insurance for the security of knowing that you won’t get a rate increase, but by choosing this option haven’t you already got the rate increase?

A few of the insurance copies we represent in our agency offer accident forgiveness.  We do not recommend it because we don’t think it is a good deal for consumers in the long run.

It is our opinion that Insurance companies are making more profits by offering this option to policyholders.

To get the best car insurance rates in Cincinnati, skip the accident forgiveness option.

Contact Pathway Insurance at 513-662-7000 for Instant Car Insurance Quotes in Cincinnati.

Disclaimer - Allstate insurance in Cincinnati premium comparison was completed online at the Allstate insurance online system.