You may get a serious attack of sticker shock when you get your insurance bill. The rate difference for car insurance in Cincinnati between a Minivan and a Mini Cooper can be substantial.

It’s even worse when you have a teenage driver in your household. Add a sports car to your policy with a teen driver and watch your Cincinnati car insurance premiums hit the stratosphere! Good for your agent, bad for you.

Tip - As a general rule of thumb, unless you have plenty of cash to flush down the toilet on high insurance premiums, avoid any type of sports car when you have teenage drivers in the household, or you have a bad driving record. Depending on what kind of sports car you buy you could get dropped altogether or your premiums may jump more than three hundred percent because your company views you as a high risk driver if you buy the wrong car.

In addition, some car insurance companies in Cincinnati will rate the youngest teen driver in your household on the highest rated car. So if you own a Porsche 911 Targa 4 that will go up to one hundred and seventy seven miles per hour and retails for about ninety thousand dollars, hold on to your seats for massive premium increases because your sixteen year old teenage son may be the one rated on that car!

For teen drivers keep in mind this rule. If you buy an older four door sedan with a four cylinder engine (not turbo charged) that only needs liability coverage, this will help you keep low cost car insurance rates. Or if there are three drivers in the household and only two cars, one driver could be rated as an occasional driver, helping to lower your car insurance rates.

Avoid the temptation to buy a 4X4 truck or jeep for your teenage driver as these vehicles carry much higher premiums due to the higher risk of accidents and claims.

Further information can be found on our blog showing a specific strategy known as the driver’s exclusion clause, which some insurance companies allow, that may save you a fortune on high car insurance premiums in Cincinnati when your teenage son or daughter has multiple tickets or accidents.

Why Make Fat Cat Insurance Executives Rich By Overpaying On Your Insurance When You Bought A Sports Car?

Click here if you want to save hundreds, and possibly thousands of dollars from insurance companies who are begging to insure Hummers, Land Cruisers, Aston Martins, Bentley’s and any sport car with or without teenage drivers on your policy.

To make matters worse, many companies will not insure you if you have had a lapse in coverage for more than 30 days, or they will charge you a much higher rate on car insurance in Cincinnati.  Companies such as State Farm, Travelers, Farmers or Nationwide insurance won’t touch you with a ten foot pole if you lapse your car insurance policy in Cincinnati.

Tip - Keep your insurance coverage in force at all times unless you want to be marked as a high risk driver in Cincinnati. In the event you don’t own a car buy a Ohio non-owners car insurance policy. A non-owners policy will provide the insurance protection that the state requires so if you are selected randomly by the BMV to prove that you have insurance coverage you won’t lose your driver’s license.

Either that or forfeit your Ohio driver’s license! The choice is yours.  If you lose your Ohio,  Kentucky, or Indiana driver’s license for non compliance of insurance laws, you will be fined, and be required to file an SR22 with the state.  If you get caught driving on a suspended drivers license, be prepared for free room and board at your local detention facility. (That means you are going to jail)

Paris Hilton and other famous starlets have been incarcerated after getting busted driving on a suspended license!!  The maximum penalty in Ohio for first time offenders is six months for driving on a suspended driver’s license!

Additional information can be found on our blog showing how to avoid jail time and expensive car insurance premiums in Cincinnati by taking one simple step.

Why Make Fat Cat Insurance Executives Rich By Overpaying On Your Insurance When You Get Busted Driving Without Insurance in Cincinnati?

Click here to save hundreds of dollars from insurance companies who have the best car insurance rates if you are a first time driver in Cincinnati, need an SR22 state filing, want to purchase a non-owners car insurance policy, or if you have been labeled as a high risk driver in Cincinnati.

Tip – If it is possible package your car and home insurance with the same company. You might receive as much as a twenty-five percent rate discount when you package your car and home insurance with the same company. Avoid like the plague purchasing car insurance from companies who aren’t willing to also insure your home as well.

Besides the last thing you should be worried about when your house burns down is what insurance company or agent takes care of the homeowners insurance.

Further information can be found on our blog showing “hidden” insurance discounts and strategies that may not necessarily be clearly explained to policy holders, resulting in some consumers paying higher premiums for car and home insurance.

Why Make Fat Cat Insurance Executives Rich By Overpaying On Your Insurance When You Have Coverage With Two Different Companies?

Click here if you want to save hundreds, and possibly thousands of dollars from insurance companies who are willing to give you dirt cheap car insurance rates when you combine your car and home insurance with the same company.

Wrong.

Insurance companies really don’t want you to turn in any claims in reality. That’s why in some cases they will increase your rates substantially when you have a car accident that’s your fault.

Insurance companies will take away safe driver discounts that could be as high as forty percent for the entire policy, plus if the car accident causes over a certain amount of money to be paid out, your insurance company may tack on an additional forty percent surcharge on the car that was involved in that particular accident.

It gets worse, two minor accidents in three years makes you a high risk driver, which might mean you could be dropped, or your car insurance premiums could triple.

Tip – Raise your deductibles to one thousand and pay most small claims out of your pocket. Handle the claim yourself as long as you are positive there are no injuries to yourself or the other party, doing this will help you keep low cost car insurance premiums compared to someone who turns in every scratch or dent.

Additional information can be found on our blog showing how not at fault accidents can make your insurance premiums double.

Why Make Fat Cat Insurance Executives Rich By Overpaying On Your Insurance When You Turn In Too Many Claims?

Click here if you want to save hundreds, and possibly thousands of dollars from insurance companies who are willing to give you dirt cheap car insurance rates if you have had one too many claims turned in, or are willing to give you unbelievably low insurance rates for safe drivers.

Tip – Take the following steps to improve your credit and watch your insurance rates drop faster than the stock market. Rule number one never pay your bills late. Rule number two make sure that your credit card balance never goes past thirty percent of the limit. If your limit is five thousand dollars, get the balance below fifteen hundred on all of your credit cards and you will see your credit score improve by as much sixty points in less than sixty days!

More helpful information can be found on our blog showing one specific technique you can use to make sure that you always get the best insurance score from your company.

Why Make Fat Cat Insurance Executives Rich By Overpaying On Your Insurance When You Have Bad Credit?

Click here if you want to save hundreds, and possibly thousands of dollars from insurance companies who are willing to give you dirt cheap car insurance rates if you have bad credit, or are willing to give you unbelievably low insurance rates when you have fantastic credit.

Do you know what happens when you turn in too many claims? Say goodbye to cheap car insurance rates for three to five years. If you use your car, home, or business insurance policy like an HMO, very soon you’ll be paying premiums so high you’ll wish you could trade your car in for a shiny new bicycle.

Tip – Raise your deductibles to five hundred or a thousand dollars or higher.

Additional tips and strategies can be found on our blog that show the hidden cost and extra profits to the insurance companies bottom line when policyholders choose small deductibles.

Why Make Fat Cat Insurance Executives Rich By Overpaying On Your Insurance When You Have A Small Deductible?

Click here if you want to save hundreds, and possibly thousands of dollars from insurance companies who are willing to give you the lowest car insurance price you can find when you choose a deductible higher than two hundred and fifty.

This is a BIG MISTAKE. Sticking your head in the sand is just about as crazy as trusting the same insurance company you have had for more than 3 years to give you the best rate. It is not realistic.

Insurance companies raise and lower premium rates constantly because of competition. Insurance rates never stay the same with any company. It could be possible that your current insurance company is charging you a higher premium rate because you are a veteran client, but at the same time offering a much lower rate to “new” clients, inducing them to purchase a new car, home, life, or business insurance policy.

How do you know if you are getting the best insurance rates from your current company? If you are getting “old” rates from your current insurance company you may be overpaying by hundreds or even thousands of dollars for the exact same coverage and same company.

One additional tip can be found on our blog that teaches you how to get your current insurance company to drop your car, home, and business insurance rates by as much as thirty percent instantly.

Why Make Fat Cat Insurance Executives Rich Because You Have Not Shopped For Lower Insurance Rates?

Get a brand new free insurance quote even if you are happy with what you are paying, you may be shocked to learn that you could be overpaying hundreds, or thousands more than you should.

Click here if you want to save hundreds, and possibly thousands of dollars from insurance companies who are willing to give you cheap car insurance rates when you are a “new” customer.

Of course, teen drivers account for a large number of accidents and fatalities and insurance companies know that, and some take advantage of that situation by pushing huge car insurance premium increases when you add your young driver to your policy!

If you already have a teen driver on your policy you know the meaning of pain, meaning higher car insurance premiums. If you are getting ready to add your teenage son or daughter to your car insurance policy get ready for a good case of car insurance sticker shock.

What specific steps can you take to obtain low cost car insurance rates for teen drivers?

Tip - The first step you should positively take is to ask for free rate quotes from multiple car insurance companies. Car insurance rates can fluctuate by as much as three hundred percent for teen drivers, meaning specifically that one company may charge you three times more money than another insurance company to insure a young driver. In our agency we have saved some parents over two thousand dollars a year compared to what their previous insurance company charged them.

Unless you take the time to obtain free car insurance rate quotes from other companies it’s impossible for you to determine whether or not you are getting a good deal, or if you’re being ripped off by the insurance company. For your convenience at the bottom right hand corner of this page you can request free car insurance quotes from multiple companies that offer the lowest prices on car insurance for teenage drivers in the United States.

The next step is to pick the most insurance friendly car for your teen driver. If you must buy a car for your son or daughter buy a four door, four cylinder low profile vehicle that doesn’t need full coverage.

Also make sure that you are getting all of the discounts you are entitled to including the good student discount for teenage drivers, drivers education, and the away at school discount for college age drivers if you qualify.

More helpful tips for teenage drivers can be found on our blog that show the best way to get the lowest prices on car insurance when you have teenage drivers on your policy.

Why Make Fat Cat Insurance Executives Rich By Overpaying On Your Car Insurance When You Have Teenage Drivers On Your Policy?

Click here if you want to save hundreds, and possibly thousands of dollars from insurance companies who are willing to give you the lowest car insurance rates for your teenage son or daughter

Insurance companies will rake you over fiery hot coals with massive price increases on your car insurance when you feel the need for speed and get caught.

Your car insurance premium could be increased as much as three hundred percent or more, or they will simply drop you when the tickets and accidents start to pile up, possibly classifying you as a high risk insurance driver.

Especially is that the case if a driver is under the age of twenty one.

So if you want cheap car insurance premiums, do not push the pedal to the metal. Try to leave for work or school a few minutes early so you do not feel the need to speed. Or if you are a parent and you have an emerging Evil Knievel in your midst, take the keys away or be prepared for triple digit rate increases on your car insurance bill.

More helpful information can be found on our blog showing specific tips and strategies that might help you avoid being labeled a high risk driver.

Why Make Fat Cat Insurance Executives Rich By Overpaying On Your Car Insurance When You Have A Few Tickets And Accidents On Your Record?

Click here for cheap car insurance rates that are almost guaranteed to save you hundreds, if not thousands of dollars on your insurance when you have multiple tickets, accidents, and claims, or worse you have been labeled as a high risk driver