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Cheap Car Insurance in Cincinnati, Ohio

Want to learn more about Cincinnati and how to get cheap car insurance for your vehicle? Well, Cincinnati has the privilege of being the first purely American city in the United States. It was the first city to be founded after the Revolutionary War, and it did not derive a significant portion of its population from European countries like other cities in the area did.

Cheap Car Insurance will compare auto insurance for you in Cincinnati. We will make sure to get you the best car insurance rates in town.

Driving Conditions in Cincinnati

Those who have difficulties driving in the rain will want to avoid operating a vehicle during the summer months. It is at this time that Cincinnati receives a great deal of rain. However, the winters will not offer them any relief because the city receives around 22.1 inches of snow at this time. The area has also been known to experience blizzards that can reduce visibility for people on the roads.

Odd Laws in Cincinnati

Upon arriving in Cincinnati, it will be to the visitors’ advantage to remember not to give a fish alcohol. If they do and the fish becomes intoxicated, the visitors will be charged with a crime. If six women are planning to move into a Cincinnati house together, they may be promptly arrested because this living arrangement is illegal in this state.

Crime Statistics in Cincinnati

The city of Cincinnati reported to the U.S. Census Bureau that 469 automobiles were stolen from the citizens in the year 2012. The bureau also recorded 3,765 cases of larceny along with 1,886 cases of burglary. In total, Cincinnati experienced 6,120 property crimes last year.

More recently in Cincinnati, authorities reported 1,160 vehicle thefts in 2015, as well as 4,413 burglaries and 10,873 larcenies, according to the FBI.

Safety Requirements

Seatbelt Law

In Ohio, every driver and front-seat passenger must wear a seat belt. Each child under 8 must ride in a booster seat or other approved child safety seat (unless the child is at least 4 feet, 9 inches tall), while any child 8 to 15 must wear a seat belt if he or she is not secured in a child safety seat.

Helmet Law

In Ohio, a motorcycle operator 18 and older who’s had a valid motorcycle license for at least a year does not have to wear a helmet. An operator under 18 must wear a helmet, however. All motorcycle passengers must follow the rules that apply to the operator. Anyone caught without a helmet can be fined as much as $75.

Bicycle operators and passengers in Ohio are not required to wear helmets.

Distracted driving law

State law prohibits texting while driving, but allows talking on a cellphone while driving (except if you’re under 18).

An adult driver who violates the anti-texting law faces a fine of up to $150. For a driver under 18 who’s guilty of a first texting offense, the maximum penalty is a $150 fine and a six-month license suspension; for a second offense, the penalty doubles.

Impaired Driving Law

What’s known as DWI or DUI in other states is known as OVI (operating under the influence) in Ohio.

In the case of a “low test” — meaning lower-level results on a chemical test to determine OVI — a first-time offender in Ohio faces at least three days in jail, a one-year license suspension and a $375 fine. Under the “high test” scenario (with higher-level test results) a first-time offender faces at least six days in jail, a one-year license suspension, a $375 fine and mandatory yellow OVI license plates.

Maximum penalties for a first-time “low test” offender are six months in jail, a three-year license suspension and a $1,075 fine, while maximum penalties for a first-time “high test” offender are six months in jail, a three-year license suspension, a $1,075 fine and mandatory yellow OVI license plates.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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