Cincinnati Financial sells its insurance products exclusively through a network of 1,300 independent agencies. While its name suggests the company sells auto insurance in Cincinnati and the state of Ohio, it actually also underwrites for a number of other states (about thirty in total for car insurance). Read more to see why we think Cincinnati Financial has a good auto insurance offering.
Cincinnati Financial's Auto Insurance coverage has good standard coverage. Of note is their rental car liability coverage, which pays for accidents to an insured's vacation car under the standard liability limit. This protects drivers for physical damage and the loss of rental income faced by the rental car company through the policyholders' standard auto liability, as opposed to being subject to a policy deductible under the physical damage portion of the policy. They also offer an enhanced tier of car insurance with additional perks and benefits called the Personal Auto Plus.
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Personal Auto Plus Perks
You can pay for additional benefits under the Auto Plus program. The benefits enhance your existing coverage limits, or waive deductibles in the standard policies. For example, under Cincinnati Financial's Safety Restraint Benefit, medical payments are doubled when occupants are in an accident while wearing safety belts. If insured cars are getting fixed at the auto repair shop for a covered loss, the Personal Auto Plus program almost triples the per diem rental allowance and overall benefit limit. Deductibles can be waived for collision / comprehensive coverage, and even glass replacements. Depending on how many features drivers find valuable, and how much it costs to get added to one's policy, Personal Auto Plus may be a good supplement to consider.
|Healthy financial strength ratings, and very low complaint rates compared to industry average||Quotes cannot be obtained online - prospective customers have to call a local agent|
|Option for enhanced suite of auto insurance benefits and perks through their Personal Auto Plus program|
Based on AM Best, the Better Business Bureau, and the NAIC's ratings, Cincinnati Financial does well there too.
|AM Best Financial Strength Rating (2013)||A+|
|Better Business Bureau Rating (2013)||A+|
|NAIC Complaint Index (2012)||0.22 (Better than Average)|
How to File an Auto Insurance Claim at Cincinnati Financial
You can file an auto insurance claim with Cincinnati Financial by contacting your local independent agent, or by calling the telephone number below to reach a claims representative. Surprisingly enough, Cincinnati Financial is one of the few insurers we've come across that directly connects policyholders with claims representatives without a maze of menu prompts to follow. This direct line is staffed 24 hours a day, and 7 days a week. Cincinnati Financial also allows customers to fax and email in claims. Here is a form as well that covers the standard information required in reporting an accident or auto insurance event.
Telephone Number: (877) 242-2544
About Cincinnati Financial Insurance
Cincinnati Financial's insurance products are marketed by 1,300 independent insurance agencies. Cincinnati Financial Auto Insurance is available in the states of Alabama, Arizona, Arkansas, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Minnesota, Missouri, Montana, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Vermont, Virginia, and Wisconsin. In addition to car insurance, Cincinnati Financial also provides various other insurance and financial services products covering policyholders' homes, businesses, and life.
Company website: www.cinfin.com