Want to know how to find cheaper car insurance rates in Cincinnati, OH? Cincinnati consumers have many options when looking for low-cost Ford Escape insurance. You can either spend your time contacting agents to compare prices or utilize the internet to find the lowest rates.
There are both good and bad ways to buy car insurance so you're going to learn the quickest way to price shop coverage for your Ford and obtain the lowest possible price either online or from Cincinnati insurance agents.
You should make it a habit to shop coverage around yearly because prices fluctuate regularly. Just because you had the best deal on Ford Escape insurance in Cincinnati a year ago a different company probably has better rates today. There is a lot of bad information regarding Escape insurance online, but by reading this article, you're going to learn some great ideas on how to reduce your car insurance bill.
If you're already insured or need a new policy, you can use these tips to buy cheaper auto insurance while maximizing coverage. This information will instruct you on the most effective ways to compare rates and also save some money in the process You just need to understand the most time-saving way to compare rates from many different companies online.
The providers in the list below offer price quotes in Ohio. If multiple companies are listed, we suggest you compare several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$166||$284||$196||$12||$58||$716||$60|
|Escape XLS 4WD||$132||$240||$182||$10||$54||$618||$52|
|Escape XLT 2WD||$132||$240||$182||$10||$54||$618||$52|
|Escape Limited 2WD||$168||$284||$202||$12||$60||$726||$61|
|Escape XLT 4WD||$196||$290||$192||$12||$58||$748||$62|
|Escape Limited 4WD||$150||$290||$218||$12||$66||$736||$61|
|Get Your Own Custom Quote Go|
Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Prices do not factor in specific zip code location which can increase or decrease price quotes substantially.
Male drivers versus female drivers
The diagram below compares Ford Escape car insurance costs for male and female drivers. The costs are based on no accidents, no driving violations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are factored in.
Policy deductible comparison
The chart below illustrates how your choice of deductibles and can raise or lower Ford Escape insurance premiums for each age group. The data assumes a married female driver, full physical damage coverage, and no policy discounts are applied.
Why do I need car insurance?
Even though it can be expensive, buying auto insurance may be required and benefits you in several ways.
First, almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific limits of liability coverage in order to drive the car legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you bought your Ford Escape with a loan, most banks will require you to have physical damage coverage to guarantee their interest in the vehicle. If you default on your policy, the bank may buy a policy for your Ford at a more expensive rate and require you to pay the higher price.
Third, insurance safeguards your Ford Escape and your assets. It will also provide coverage for medical bills for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you cause an accident and are sued. If your Ford gets damaged, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of buying enough insurance more than offset the price you pay, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer is wasting up to $800 each year so it's very important to do a rate comparison every year to help ensure money is not being wasted.
Slick advertising tricks that work
Ohio consumers can't avoid all the ads for insurance savings by Progressive, Allstate and GEICO. They all seem to make the point about how much you will save just by moving to their company.
But how can every company offer you a better deal on Ford Escape insurance in Cincinnati? Here is how they do it.
Different companies can use profiling for the type of driver that will be a good risk. One example of a driver they prefer should be a married female, has a clean driving record, and drives a car with an anti-theft system. Anybody who matches that profile will probably get cheap car insurance rates and will save money with a new company.
Insureds who do not fit the ideal profile will have to pay higher prices and ends up with the customer buying from a different company. If you listen to the ad wording, they say "people who switch" not "everyone who quotes" save that much money. This is how insurance companies can make those statements.
Each company has different criteria, so it is so important to quote coverage with many companies. It is just not possible to predict the company that will have the lowest premium rates for your situation.
Lower-cost Ford Escape insurance rates in Cincinnati
Car insurance is not cheap, but you may find discounts that may help make it more affordable. Some discounts will apply at the time of purchase, but a few need to be specifically requested before you get the savings.
- Cincinnati Homeowners Discount - Being a homeowner may earn you a small savings since home ownership is proof that your finances are in order.
- Senior Citizen Rates - If you're over the age of 55, you can possibly qualify for a discount up to 10%.
- Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.
- Federal Government Employee - Having worked for a branch of the government could provide a small rate reduction with some insurance companies.
- Anti-theft System - Anti-theft and alarm system equipped vehicles help deter theft and that can save you a little bit as well.
- Discount for Good Grades - Excelling in school can be rewarded with saving of up to 25%. The discount lasts up to age 25.
- Full Payment Discount - If you pay your bill all at once rather than spreading payments over time you can avoid the installment charge.
- Driver Education Discount - It's a good idea to have your young drivers participate in a local driver's education class in high school.
- Discount for Swiching Early - Some companies reward drivers for switching policies prior to your current Escape insurance policy expiration. It could save around 10% when you buy Cincinnati car insurance online.
A quick disclaimer, most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, you're out of luck.
To see a list of insurance companies who offer free Ford Escape insurance quotes in Cincinnati, click here.
When to have guidance from a local insurance agent
Many drivers still like to buy from a local agent and that is OK! Agents can make sure you are properly covered and give you someone to call. One of the best bonuses of comparing rate quotes online is that you can find better rates and still buy from a local agent. Buying from and supporting local agents is important particularly in Cincinnati.
After filling out this form (opens in new window), the quote information is sent to companies in Cincinnati who can give free rate quotes for your auto insurance coverage. You don't have to contact an agency since price quotes are sent straight to your inbox. If you need to get a rate quote from a specific auto insurance provider, you would need to search and find their rate quote page and give them your coverage information.
If you need to find local Cincinnati agents, you need to know there are two different types of agencies and how they work. Cincinnati agents may be either independent agents or exclusive agents depending on their employer. Both can write policy coverage, but it's worth mentioning the differences because it can factor into which type of agent you select.
Independent Insurance Agents
Independent agencies do not sell for just one brand so as a result can place your coverage with a variety of different insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency.
When comparing rate quotes, you should always include at least one independent agent to get the most accurate price comparison. Many write coverage with companies that do not advertise much which may provide better rates.
Shown below are independent agencies in Cincinnati that may be able to provide free auto insurance rate quotes.
- Ohio Insurance Center
7404 Hamilton Ave - Cincinnati, OH 45231 - (513) 522-6300 - View Map
- Dillhoff Insurance
120 E 4th St # 1000 - Cincinnati, OH 45202 - (513) 621-2020 - View Map
- Rick Hensley Insurance Agency
747 Ohio Pike - Cincinnati, OH 45245 - (513) 797-8300 - View Map
Exclusive Insurance Agencies
These type of agents can only quote rates from one company such as AAA, Allstate, and State Farm. Exclusive agents cannot compare other company's rates so they really need to provide good service. Exclusive insurance agents receive extensive training on sales techniques which helps overcome the inability to quote other rates. Some insured continue to buy insurance from these agents partially due to the prominent brand name and strong financial ratings.
Below is a short list of exclusive insurance agents in Cincinnati that are able to give comparison quotes.
- Greg Meinberg - State Farm Insurance Agent
3322 Erie Ave #102 - Cincinnati, OH 45208 - (513) 533-1661 - View Map
- Harold Jones - State Farm Insurance Agent
9816 Springfield Pike - Cincinnati, OH 45215 - (513) 771-6226 - View Map
- State Farm: Randy Wagner
1167 8 Mile Rd - Cincinnati, OH 45255 - (513) 474-4100 - View Map
Finding the right car insurance agent requires you to look at more than just a cheap price quote. These are valid questions to ask:
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Does the company have a local claim office in Cincinnati?
- Will they make sure you get an adequate claim settlement?
- Is the agency active in community causes in Cincinnati?
- Are they involved in claim handling?
Car insurance coverage information
Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.
This provides protection from damage or injury you incur to people or other property. This coverage protects you against other people's claims. It does not cover your own vehicle damage or injuries.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person's injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage protects against claims like funeral expenses, medical expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible. Ohio state minimum liability requirements are 25/50/25 but it's recommended drivers buy more coverage.
Comprehensive coverage (or Other than Collision)
This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as damage from flooding, theft and hail damage. The highest amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.
Coverage for collisions
Collision insurance pays for damage to your Escape caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like rolling your car, driving through your garage door, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It's also possible to bump up the deductible on your Escape in order to get cheaper collision rates.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance reimburse you for bills for hospital visits, EMT expenses, ambulance fees, nursing services and dental work. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
Uninsured Motorist or Underinsured Motorist insurance
This gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Escape.
Due to the fact that many Ohio drivers carry very low liability coverage limits (which is 25/50/25), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.
Don't give up on cheap coverage
We just showed you a lot of ways to lower your Ford Escape insurance car insurance rates in Cincinnati. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest priced auto insurance comes from a small mutual company.
As you go through the steps to switch your coverage, you should never buy poor coverage just to save money. Too many times, an accident victim reduced liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at the best possible price, not the least amount of coverage.
Insureds who switch companies do it for a number of reasons such as being labeled a high risk driver, high prices, denial of a claim and even unfair underwriting practices. Regardless of your reason for switching companies, finding a new company can be easy and end up saving you some money.
For more information, feel free to visit the resources below:
- What is a Telematics Device? (Allstate)
- Who Has Affordable Ohio Auto Insurance Quotes After a Speeding Ticket? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Young Drivers in Ohio? (FAQ)
- What is the Best Car Insurance in Youngstown, Ohio? (FAQ)
- Who Has Affordable Car Insurance Quotes for Handicapped Drivers in Ohio? (FAQ)
- What is the Cheapest Car Insurance in Hamilton, Ohio? (FAQ)
- What Insurance is Cheapest for Single Moms in Ohio? (FAQ)
- Who Has Cheap Ohio Car Insurance Rates for High School Students? (FAQ)
- What Car Insurance is Cheapest in Cleveland Heights, Ohio? (FAQ)
- How Much are Ohio Auto Insurance Quotes for 19 Year Olds? (FAQ)
- What is Full Coverage? (Allstate)
- Medical Payments Coverage (Liberty Mutual)