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.