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The Cincinnati Car Insurance Review

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Introduction

The Cincinnati Insurance Company has a wide range of auto insurance coverage and alternatives to choose from. The company has reasonable rates and a variety of features. It is certainly worth checking out if you're looking at changing your current car insurance coverage or comparing quotations. But does The Cincinnati Insurance Companies have the right coverage for you? We'll go over the bundles, the claims process, and more in this article. After that, we'll compare it to the best car insurance companies.

When shopping for insurance, we recommend getting car insurance quotes from several different best car insurance companies so you can compare coverage and pricing. Your premium is determined by a number of factors, including your age, car make, model, and driving history, so what works for one person may not work for another.

Use our simple quotation tool by clicking on one of our banners to compare customized vehicle insurance quotes.

The Cincinnati Insurance Companies even provide coverage for drivers who need to insure a classic car, antique car, or high-end vehicle. A few add-on policies are available, as well as a complete endorsement package that provides comprehensive coverage for high-value automobiles. Taking advantage of common discounts can also help drivers save money on their insurance.

Pros and Cons

Pros Cons
Online claims management system Rates aren't published online
Solid financial foundation Available only in 6 states
Personal auto plus features package Minor gripes concerning rate hikes

Unique Cincinnati auto insurance features

Unique Features What does it do
Antique or collector car insurance This coverage is intended for people who own and display antique or collector cars at events like car shows and parades. It can be included in the same policy covering your commuter car(s).
Replacement Cost Plus This endorsement combines two coverages — new car replacement and gap insurance — to give the policyholder options if their vehicle is totaled.
Personal Auto Plus This may be a good option for some premium coverages for those looking for extra bells and whistles rolled into their auto policy. These coverage options' availability varies by state.
Capstone Collector Auto Coverage Through its Capstone Collector Auto Coverage program, Cincinnati Insurance Company provides a tier of specialized coverages for owners of classic or antique cars, sports cars, and luxury vehicles.

Cincinnati auto insurance coverages

Cincinnati can cover all of your bases with primary liability, collision, comprehensive, and other coverages. Coverages can be tailored with the assistance of a local agent.

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Cincinnati auto insurance rates

Our research for car insurance cost for a driver was quoted at $393 per year for minimal coverage and $1404 for full coverage by The Cincinnati Insurance Companies, which is cheaper than the national average. Keep in mind, though, that each driver's insurance coverage is priced differently. When calculating a policyholder's premium, insurance companies consider factors such as ZIP code, age, credit score, claims history, and car type.

That appears to be a good thing on the surface. By supplying similar information using any of the links in the article, you may see how your Cincinnati Insurance car insurance quote compares to others.

Cincinnati car insurance rates by coverage

Type of Drivers Average annual car insurance premium
Good Drivers $1482
Drivers with a speeding ticket $1932
Drivers Who Caused an Accident with Injury $2712

Cincinnati Average Insurance Cost By State

State Avg monthly rate
Alabama $183
Illinois $192
Indiana $110
Kentucky $180
Virginia $216
Ohio $156
Tennesse $189

Cincinnati Financial Vs Competitors

Insurance Company Average Monthly Cost
Cincinnati Financial $78
Chubb $118
State Farm $125
Travelers $131
Allstate $119

Cincinnati auto insurance discounts

Cincinnati Insurance auto insurance offers a few savings policyholders should keep in mind while shopping. While The Cincinnati Insurance Company doesn't have the best range of discounts or details on just how much one can anticipate saving, it does offer a few discounts policyholders should keep in mind while shopping. These car insurance discounts are fairly widespread, and you may get similar ones at any good insurance company.

  • Good driver: If you have a clean driving record free of recent accidents, you will receive a discount.
  • Good student: Those with at least a 3.0 GPA or a B average in school are eligible for some financial assistance.
  • Multi-vehicle discount: To qualify for this discount, you must insure numerous vehicles under one policy.
  • Multi-policy discounts: To qualify for a multi-policy discount, combine your auto and homeowners' insurance policies.
  • High deductible: Choose a $500 deductible or greater for collision and comprehensive coverages to receive a discount.

Cincinnati complaints and customer satisfaction

Cincinnati Insurance auto insurance reviews that are negative tend to focus on concerns with the increasing rates. Several reviewers have expressed their dissatisfaction with the company's seemingly unjustified premium increases.

Way.com Summary

Our research suggests that most Cincinnati Insurance auto insurance reviews are favorable, even though there aren't many, to begin with. Cincinnati Insurance has an "A+" rating from A.M. Best. Only about 10% of property-casualty insurer organizations get A+ or A++ ratings in the Superior category from A.M. Best. This is good news for customers since it means the company is capable of paying claims quickly, especially in the event of a severe accident.

Obtaining a car insurance quote from Cincinnati Insurance through the internet isn’t as straightforward as we’d like. The company refuses to publish its rates online and there’s a lack of clarity in how claims are processed or denied.

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About Cincinnati Car Insurance

The Cincinnati Insurance Company based in Ohio provides insurance through a network of 1,740 independent insurance agents and serves customers in 45 states. This insurance company specializes in high-value home insurance and auto insurance.

A Brief History of Cincinnati

Cincinnati Insurance began as part of the Cincinnati Financial Corporation in 1950. The Cincinnati Financial Corporation's combined companies (Cincinnati Insurance Company, The Cincinnati Indemnity Company, The Cincinnati Casualty Company) account for 1% of the US property and casualty insurance market. As a result of this, they are the country's 20th largest insurance firm.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Is Cincinnati insurance a good company?

Cincinnati Insurance has an "A+" rating from A.M. Best. Only about 10% of property-casualty insurer organizations get A+ or A++ ratings in the Superior category from A.M. Best.

Does Cincinnati auto insurance cover rental cars?

Yes, Cincinnati auto insurance covers rental cars.

Who has the cheapest car insurance in Cincinnati?

Progressive has the cheapest car insurance rates in Cincinnati.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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