If your insurance company canceled you because of tickets or accidents and you need to find new insurance coverage in Cincinnati please click here.

How many tickets or accidents does it take to get my car insurance canceled in Cincinnati?

That depends upon the insurance company, some insurance companies in Cincinnati will give you two accidents, and then they will hand you your walking papers.  Other insurance companies may allow you up to four car accidents in Cincinnati.

Do I need high risk car insurance in Cincinnati after I am canceled?

That depends on exactly what is on your driving record. Some insurance companies will automatically reject drivers that have multiple tickets or accidents. Other insurance companies in Cincinnati are happy to accept your business.

Who Is the Best Insurance Company to Get Quotes from in Cincinnati?

 It’s best if you contact an independent insurance agency in Cincinnati because independent insurance agencies have the ability to shop for insurance with multiple companies. Click here to receive an online car insurance quote from a local independent agency in Cincinnati.

Or call us directly at 513-662-7000 to receive automobile insurance quotes in Cincinnati.

Very badly.

Did you get a big rate increase on your car insurance because of tickets, or accidents in Cincinnati?  Click here to receive auto quotes in Cincinnati from a local independent insurance agent.

Let’s look at an example.  We have a mother and father and they’ve just recently added their 16-year-old son.  Three cars are on the policy and junior is driving a 2003 Chevrolet Impala needing full coverage.  Junior does not qualify for the good student discount.

This is the six month premium with no tickets or accidents on the policy:

$1385

Let’s assume junior gets into an accident within the first three months of obtaining his driver’s license, what would the six month premium be  now?

$2,287

Shortly after that junior is hot-dogging it down the road and texting his best friend at the same time when he rear ends a little old lady from Pasadena. What happens to the premium after the second accident?

$3,216

When mom and dad add Junior to their car insurance policy in Cincinnati they started off paying about $230 per month.

The first accident raises her premium to $381 per month.  The second accident raises the monthly premiums of $536 per month!

Many insurance companies in Cincinnati will simply cancel your policy on the renewal after junior causes the second at-fault-accident,  because with two accidents Junior is a high risk driver in Cincinnati.

Tickets without accidents can be just as bad because they spell potential accidents to come in the insurance companies mind. If your son or daughter starts racking up tickets, prepare yourself for massive rate increases on your Cincinnati insurance policy.

Who is the best company to get quotes from?

An independent agency in Cincinnati is your best bet.  Working with an independent insurance agency in Cincinnati is a better option to help you secure low insurance rates on car in Cincinnati compared to companies such as GEICO, Progressive Direct, State Farm, Allstate, Nationwide, American Family Insurance, Farmers Insurance, 21st Century Insurance, Safe Auto Insurance, Liberty Mutual Insurance, or Sentry Insurance. 

Why??

Agents who work for the companies mentioned can’t shop your insurance with other companies. So it’s less likely they would be able to find you the best price for car insurance in Cincinnati.

You can receive auto insurance quotes in Cincinnati from our Cincinnati based independent agency in the following two ways.

Call our office at 513-662-7000. (Located in Blue Ash)

Receive an instant online auto insurance quote in Ohio, Kentucky, or Indiana by clicking here.

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