On a regular basis our agency receives requests for car insurance quotes. If you need a insurance quote you can call us at 513-662-7000 or use our convenient online system when you click, get cincinnati car insurance quotes now. 

Sometimes Customers Get Overcharged by Thousands of Dollars!

In some cases as we are preparing the quotes, we find that our prices are thousands of dollars less compared to what the individual is paying right now on their current insurance policy.

Why do policyholders occasionally find themselves in a situation where they are being overcharged, potentially by thousands of dollars on car insurance in Cincinnati?

There are actually a number of reasons why this might happen and we are going to discuss in a series of articles, why policyholders might be getting overcharged by hundreds or even thousands of dollars by their insurance company.

First Reason Why Consumers Get Overcharged on Cincinnati Car Insurance

You are with a high risk insurance company!

Let’s assume a few years ago you developed a bit of a lead foot and you accumulated a number of tickets or you caused a few accidents and you were forced to buy high risk insurance. Let’s also assume that over time you learned your lesson and your driving record improved significantly and now you do not have any tickets or accidents on your record.

It’s true that even a high risk insurance company will lower your rates when tickets and accidents begin to come off your record, what you may not realize is that high risk insurance companies typically charge a larger premium compared to a preferred company. Let me share with you an actual example.

Let’s say that we have a husband and wife in their 40s driving a 2010 Honda Civic + 2004 Honda Pilot SUV. Coverage limits for liability are $100,000 per person and $300,000 per accident, $100,000 property damage. The quote includes full coverage with a $250 deductible for comprehensive and a $500 deductible for collision, plus car rental.

If the husband and wife are with a high risk insurance company because of their past driving history, but now their driving record is spotless. This is what they would be paying with one high risk insurance company:

Cincinnati High Risk Insurance Company- $236.83 per month.

Let’s now take the same couple and offer them a very competitive Cincinnati car insurance quote from a preferred insurance company:

Insurance Rates With a Preferred Company- $70.34 per Month.

In this example it’s more than three times more money to be insured with a high risk insurance company even if your driving record is spotless.

What Is the Moral of the Story?

If you were once with a high risk insurance company because of your driving record and your record has improved, give us a call or use our online car insurance quote comparison system. You will likely save a significant amount of money on your premiums!

Call 513-662-7000 For Extremely Competitive Car Insurance Rates!

Shopping for Insurance Is Time-Consuming.

Despite catchy commercials on television from certain insurance companies telling you how quick and easy it is to get insurance quotes, what they don’t tell you is that there are hundreds of insurance companies willing to provide you Cincinnati car insurance quotes.

What Is the Chance That Their Company Offers the Best Cincinnati Car Insurance Rates?

Can you say slim to none? There isn’t an insurance company advertising on television they can offer you the cheapest Cincinnati car insurance rates with an absolute guarantee. The reason why is due to the fact that there are too many variables that go into insurance pricing.

We Save You Time When Shopping for Insurance in Cincinnati.

Because we are a Cincinnati independent insurance agency we have the ability to represent as many insurance companies as we desire and that helps us to provide you the best solution in finding the lowest rates on car insurance.

The majority of insurance companies advertising so predominately on television can only offer insurance products through that one company. For instance State Farm insurance is represented only by captive insurance agents. If you’re currently insured with State Farm, your Cincinnati State Farm agent is not allowed to shop for cheaper insurance prices when State Farm increases your rates.

The same is true if you are insured with Geico, Allstate, Nationwide, American Family, Farmers, Esurance, 21st Century, or when you purchase insurance directly with Progressive Insurance.

We Shop and You Save on Cincinnati Insurance

Contact our Blue Ash Insurance Agency at 513-662-7000 and today speak with our professional insurance agents. You will find the best insurance rates from an independent insurance agency like ours.