Cincinnati Casualty Auto Insurance Review

Cincinnati Casualty has been providing insurance and financial services since the 1960s. They specialize in casualty and property insurance and is a subsidiary of Cincinnati Financial Corporation. Cincinnati Casualty has customers in 39 states who purchase their auto insurance through independent insurance agents. In addition to auto insurance policies, you can also get your home and business insurance from Cincinnati Casualty as well.

Known for being excellent with customer service, Cincinnati Casualty has been given A+ ratings from both the Better Business Bureau and AM Best. They’ve had a superior rating with AM Best for five years running and of the fourteen complaints that have been filed with the BBB, twelve have ended in satisfactory resolutions. With over $2 billion in assets, the company is quite stable and doing well financially.

In addition to checking out how much auto insurance costs with Cincinnati Casualty Auto Insurance company, be sure to compare rates with other companies as well.

Why Compare Auto Insurance Rates?

1. You can save hundreds of dollars annually. Depending on your current auto policy, you could slash your bill by a quarter or more, just by spending an hour searching for better deals. To most people, investing an hour into a task, as boring as it might be, is certainly worth saving $200 or more a year!
2. It quick and easy. Thanks to the internet being available 24/7, you can shop auto insurance rates at any time, even while most people are sleeping. Just fill in the forms that the screen pulls up and you’re on your way to finding cheaper insurance policies.
3. Not all policies are created equally. Even though two insurance providers might offer to insure your car for the same cost, one provider’s coverage might be significantly superior. Be sure to read through the specifics of a policy before choosing it, especially if two are the same price. Additionally, you might find that paying an extra $25 a year for a policy with excellent coverage is better than saving the money and having mediocre coverage.

7 Discounts You Might Be Eligible For

1. Multiple Policies– While comparing auto insurance rates, be sure to check with your home owners or life insurance agents to find out how much you can save by getting all of your policies through them. Not only will they get a good deal by having another policy, but you’ll save time by having to deal with only one company.
2. Low Mileage Driver– If you seldom drive and don’t spend much time on the road, then you might be able to get a discount. Inquire about this, and how you can verify your low mileage status, when comparing companies.
3. Good Driver– For drivers who have never made a claim or have a blemish free driving record, there may be a discount waiting for you. Companies do like to reward their customers who bring in business but seldom cost them money. Even if you’ve had a great record for more than five years be sure to ask and you’ll likely get some discount.
4. Honor Roll Student– If you have a teen driver then you know that you are paying good money for them to be on your auto insurance policy. When shopping around for auto insurance rates, find out how much you can save if your teen gets good grades.
5. Military– Some insurers offer discounts to active duty members of the military. If you or your spouse is in the military, see what kind of discount they offer as a thank you for serving your country.
6. Good Credit– Good credit scores mean that you are financially responsible. Insurers equate financial responsibility with responsible driving habits. If you have a great credit score, ask what kind of discount you can get.
7. Installing Anti-Theft Devices– In order to reduce the likelihood of making a claim, insurers like to know if you are doing all that you can to protect your car.
   

   Using an alarm or a wheel lock device will deter thieves and make it more difficult for them to get into if they decide to try stealing it.

   If you use these, or would use them, ask about discounts for taking this extra step in protecting your vehicle.

Three Ways to Save More on Your Auto Insurance Coverage

1. Raise your deductible. If you are a low risk motorist and feel financially comfortable raising your deductible, do so immediately. The money you’ll save by having lower premiums will help you to fund an auto emergency fund, if you remember to channel the money you saved into it. If you never have to make a claim, your in a great position. Even if you do, you’ll have money set aside already and won’t be in financial turmoil.
2. Pay annually. The less frequently the company has to invoice you and spend time recording your payment, the happier they will be and so they are often glad to pass on their cost and time savings to you. Not everyone is in a position to pay for a whole year at once, but if you can do this it’s a great way to get a discount. Each month, try to put aside 1/12th of the annual payment into a specially earmarked savings account. Next year you’ll have the money ready to send your insurer and you’ll have gained a bit of interest which can be applied to the following years payment.
3. Don’t file too many claims. It’s probably common sense, but the more claims you file, the more ‘risky’ you are to the insurer. Since you are costing them money, they’ll pass that cost on to you. If the issue is minor, opt to pay for it yourself and move on. You never know if or when you’ll have a major issue come up that you do need to make a claim for.

Summary

While searching for and comparing auto insurance rates might not be your preferred way to spend an evening at home, it’s well worth your time and money in the end. Take time to search for multiple auto insurance quotes and ask for discounts so that you save your hard earned money.