Where does Cincinnati Insurance do business?

Cincinnati Insurance is an insurance carrier based in Fairfield, OH. The company was founded in 1950 and offers auto insurance in 36 states (and Washington, DC).

What types of auto insurance coverage does Cincinnati Insurance offer?

Although we often talk about auto insurance in the singular, it really includes several types of coverage. Cincinnati Insurance offers the following types of auto insurance coverage:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 

  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.

  • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.

  • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.

  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.

  •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.

  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most policies will also cover funeral expenses.

  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

Cincinnati Insurance customers can also add the following riders or endorsements to their policies:

  • Accident Forgiveness: This auto insurance rider helps you avoid a rate increase after the first accident where you are at fault. Some carriers pass on this benefit to other drivers on your policy, such as your teenage children. Check with Cincinnati Insurance to see if this rider is available in your area as it is not available in all states.

  • Travel Expenses / Trip Interruption Coverage: This coverage helps pay for non-refundable expenses if your trip is delayed or canceled due to an accident, mechanical breakdown, theft, injury, unexpected illness, or some other covered event.

  • Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.

  • Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.

  • Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

What benefits does Cincinnati Insurance offer?

Cincinnati Insurance offers the following benefits to its customers:

  • 24/7 Phone Availability: Customer service is staffed around the clock.

  • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.

What discounts can you ask for when applying for a policy with Cincinnati Insurance?

When you ask for a quote with Cincinnati Insurance, make sure you ask for all the discounts you qualify for. These are the auto-specific discounts currently available.

  • Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums. Most cars have them but it's a discount people often forget to ask for.

  • Internal Safety Features: Cincinnati Insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger a discount.

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Cincinnati Insurance.

  • Vehicle Policy Endorsements
    • Accident Forgiveness
    • Emergency Roadside Service
    • Loan / Lease / GAP Coverage
    • Rental Car Coverage
    • Travel Expenses / Trip Interruption Coverage
  • Liability Vehicle Insurance
    • Bodily Injury Coverage
    • Property Damage Coverage
    • Uninsured Motorist
    • Underinsured Motorist
  • Medical Vehicle Insurance
    • Medical Payments Coverage
    • Personal Injury Protection
  • Vehicle Coverages
    • Comprehensive
    • Collision
  • Policy Discounts
    • Claims Free
    • Good Credit
    • Good Student
    • Higher Deductibles
    • Multiple Policy
    • Multiple Vehicles
    • Student Away at School
  • Vehicle and Equipment Discounts
    • Anti-Lock Brake System
    • Anti-Theft Devices
    • Internal Safety Features (Air Bags / Seat Belts)
  • AM Best Financial Strength Rating
  • Carrier Features
    • 24/7 Phone Availability
    • Locally Available Agents
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