Cincinnati is the third largest city in Ohio with a total population of around 333,000 in city according to the United States census. It's the home of the Bengals and the Cincinnati Reds, as well as multiple Fortune 500 companies that drive the city's growth. Unfortunately, compared to the rest of Ohio, Cincinnati residents pay quite a bit for car insurance, and every household should consider taking a few steps that can greatly diminish the cost of their insurance policies.
It's best to first consider the factors that drive up the cost of Cincinnati car insurance. Cincinnati is considered a moderately high-crime city, which drives up Cincinnati auto insurance quotes. Most car insurance companies use crime statistics to figure the likelihood of auto theft, which is a major claim, as it costs the insurers the entire price of the stolen vehicle. As such, one of the most effective ways for Cincinnati drivers to find lower premiums is to look into anti-theft discounts offered by their insurance companies. Cincinnati car insurance companies usually offer a discount to drivers who install anti-theft devices (though these devices themselves aren't covered as a part of your comprehensive coverage) or drivers who park in a safe area at night (closed and locked garages are a big plus). If you're moving, you can save a lot of money by considering the potential cost of car insurance before making a purchase.
Any major metropolitan area will have high insurance rates, as there are more traffic incidents and insurance claims in areas where a lot of people are driving. Insurance companies use claim statistics when deciding premiums, so drivers in Cincinnati often end up paying higher rates as a result. There's not a lot of ways to get around this, but drivers can often take defensive driving courses to get a special discount from their insurers. Drivers that don't commute to work may also be eligible for low-mileage discounts, but the availability of these programs varies from one insurance company to the next.
Cost comparison is by far the best and fastest way to find low Cincinnati car insurance quotes without sacrificing coverage. By comparing quotes, drivers can determine which insurance companies offer the best coverage at a reasonable price, and it's easier to get an idea of an average insurance cost for a vehicle in Cincinnati. We offer a free cost comparison tool that allows drivers in the city to find rates from major insurance companies. All that it requires is a zip code, and multiple quotes are generated instantly. It's a great tool for Cincinnati drivers looking to keep car insurance costs down.