So the Bengals have been playing below par for, let's face it, most of their franchise history. Nevertheless, fans forge on donning their orange, black and white in anticipation of at least making it to the playoffs. Defeat is not easy to deal with, but you are sure to come out on top by scouting out top-notch Cincinnati insurance policies. Who dey? The contracts that will ensure your assets are secure in times of distress. Here are some things to consider when searching for Cincinnati insurance quotes.
Playing the Big City
Cincinnatians likely know Ohio law requires financial responsibility in the minimum amount of $12,500 for bodily injury or death of one person in any one accident, $25,000 for bodily injury or death to two or more individuals in any one accident, and $7,500 for injury to property in any one accident. But according to the National Association of Insurance Commissioners, less than two-thirds of Americans are aware of the top three factors that impact the cost of auto insurance coverage: accident history, vehicle safety features and geography.
Simply put, you live in the third most populous city in Ohio. Large cities like yours tend to see more accidents because of traffic congestion. Additionally, there were 1,606 auto thefts in Cincinnati in 2008, according to the FBI Crime in the United States report. Although there has been a significant decrease in auto thefts since 2002 when 4,025 car thefts were reported, insurance companies will keep these factors in mind when determining your Cincinnati insurance quotes. However, there are ways you can lower your auto insurance premium. If your vehicle has safety features like anti-lock brakes, automatic seat belts and a car alarm, or if you park your car in a garage your Cincinnati insurance quotes can be lowered. And, in case you didn't know, if there are no accidents on your record it will cost less to insure your vehicle.
Home Field Advantage
When it comes to the price of their homeowners insurance, residents of The Queen City have less to worry about than the majority of the country when collecting Cincinnati insurance quotes. In 2007, Ohio ranked 45th for homeowners average premiums, according to the Insurance Information Institute. The average annual premium for Ohioans with an HO-3 homeowners policy was $540. That's nearly one-third less than the 2007 number-one ranked Florida where residents paid $1,534 annually. However, your Cincinnati insurance quotes will be determined by the value of your home and the cost that will ensue to rebuild your home in the event it is destroyed. Even though Zillow estimated the average Cincinnati home value to be $89,000 in February 2010, that doesn't mean your home's value isn't far beyond this statistic. Depending on what assets you need insured, the age of your home, the deductible you choose, and where you live in The City of Seven Hills, your premiums could be significantly different than the average Cincinnatian.
The Road to Victory
Coming out on top is easier than you might think. Team up with a free service like NetQuote to get the insurance coverage you need to prevail. NetQuote will gather several Cincinnati insurance quotes and send them straight to your computer. Insurance companies will be the ones competing to find you the best policy at the best price.