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That depends upon how many tickets and or accidents are on one’s record.  If your insurance company hits you with a large rate increase on car insurance in Cincinnati because of your driving record click here to obtain competitive quotes from other companies who might be willing to give you a better deal on car insurance in Cincinnati.

Let’s review a client example of actual car insurance premiums in Cincinnati and how tickets and accidents might affect their premium rates.

Example 1:

A married couple in their mid-40s with no children driving 2 late-model vehicles with full coverage and liability limits of 100/300 with a $500 deductible who had no tickets or accidents on their record in the last five years.

Six month premium = $484

Example 2:

Using the same example as above lets add one speeding ticket to the husband’s license.

Six month premium = $496

Example 3:

Let’s add one additional speeding ticket to the husband for a total of two speeding tickets.

Six month premium = $563

Example 4:

Let’s assume the husband has three speeding tickets

Six month premium = $829

Example 5:

Let’s also add an accident and keep the three speeding tickets for the husband

Six month premium = $1314

If there’s only one minor speeding violation on the driving record the premium doesn’t fluctuate that much. (Unless it’s a driver under the age of 25) and as we can see, the premium amount can grow significantly larger as more activity is added to the husband’s driving record.

What’s interesting with example number five is that 4 incidents on your record with most insurance companies will get you canceled by your insurance company in Cincinnati!  At that point you would be considered to be a high risk driver.  Even if this insurance company did not cancel this insurance policy, the car insurance premiums in Cincinnati have increased by 2 1/2 times!

Speeding tickets, accidents, and claims will affect your insurance premiums in Cincinnati very negatively.  However that being said not all insurance companies look at multiple tickets, accidents, or claims in the same way.  Some insurance companies in Cincinnati may be willing to give you the benefit of the doubt and offer cheaper rates than your current company.  Click here for an instant rate quote on your automobile insurance if you live in Ohio, Kentucky, or Indiana.  If you do not live in one of these states you can still receive an insurance quote.

How to avoid tickets in Cincinnati?

Obeying the traffic laws is the first step, avoid the temptation to speed when you are late for work or school by leaving home earlier than you normally would.

How do tickets and accidents effect insurance premiums in Cincinnati when you are a teenager?  We’ll discuss that in our next article.

How to contact us directly?

513-662-7000

Jack@pathwayinsurance.net