Ohio Car Insurance Quotes
"An automobile is a significant investment, one that needs to be properly protected."
—Ohio Gov. Bob Taft & Ohio Department of Insurance Director Ann Womer
Car insurance is essential for your protection and the protection of others on Ohio roadways. And finding the Ohio car insurance policy you need can be quite a challenge.
But that's where InsureMe comes in!
We have contracted with hundreds of Ohio car insurance agents, and we can put you in touch with up to five of the top insurers in the state. Compare their offerings for yourself, ask questions and get the best deal out there on your Ohio car insurance.
Let InsureMe do all the work—and you enjoy the savings!
Ohio Car Insurance Facts
Although Ohio law does not require you to purchase car insurance, it does require you to have a guaranteed way to pay for injuries or damage resulting from your own negligent driving.
At least 20 percent of Ohio drivers do not carry car insurance or proof of financial obligation at any given time, breaking this state-mandated law called "proof of financial responsibility." As most Ohio drivers do not have unlimited financial resources, there is only one real choice-to purchase liability insurance.
Driving without Ohio car insurance or proof of financial responsibility can bring stiff penalties. Your Ohio driver's license can be suspended, your car impounded, your driving privileges revoked and/or court costs prescribed.
"How much car insurance should I buy?"
Ohio law requires you to carry the following minimum amounts of liability insurance:
- Bodily injury coverage: $12,500 per person; $25,000 per accident
- Property damage coverage: $7,500 per accident
Bodily injury liability pays for injury or death to others when you are at fault in an accident. It is always a good idea to consider buying higher limits of Ohio liability insurance than those mandated by state law because state minimums may not be sufficient to cover the complete value of your car, provide adequate finances for medical bills incurred as the result of an accident, or protect you fully from lawsuits.
Talk with a licensed Ohio car insurance agent about the levels of car insurance appropriate in your situation.
Determination of Your Premium
Ohio auto insurance companies use various factors to determine your auto insurance rates, including:
- Age
- Vehicle you drive
- Driving record
- Claims history
- Location
Each of these details plays a vital role in the determination of your car insurance premium. Ohio car insurance companies set rates according to calculated risk levels; so a driver who has multiple tickets, drives an expensive car or lives in a high-crime area will likely pay higher rates than one who has no tickets or accidents, drives a less expensive car or owns one that costs less to repair.
Keeping Costs Low
Obtaining Ohio car insurance coverage can be a costly and overwhelming proposition. Getting the best coverage at the best price involves knowing and understanding the factors that drive insurance prices upward-and then taking steps to ensure these factors do not affect your own premium.
Some good ways to keep your Ohio car insurance premium low include:
- Inquiring about discounts
- Setting your deductible as high as possible
- Maintaining a good driving record
- Buying multiple policies with the same insurance company
- Choosing your new car carefully
- Maintaining a good credit history
What You should Ask
Looking for an Ohio car insurance policy with the type of coverage you need at a price you can afford should be your goal. Some good questions to ask when shopping for your Ohio car insurance are:
- Does my age affect my rates? How?
- How often can my rates be changed?
- What specifically does the policy cover? What does it not cover?
- How much is the deductible?
- Who do I contact in case of an accident?
- What is your company's complaint ratio?
Use the answers you get from these questions to compare policies carefully and determine differences in coverage and cost.
"What if I can't find car insurance?"
Numerous Ohio car insurance companies specialize in insuring those whom other companies refuse to insure. However, if you can't find a company that is willing to insure you due to a poor driving record, a lapse in coverage, or for other pertinent reasons, ask any Ohio car insurance agent to help you apply to the Ohio Automobile Insurance Plan. This program guarantees you liability coverage, although rates may be high. For further information on this plan, call the Ohio Auto Plan at 614-221-2596.
Further Information
The Ohio Department of Insurance is one of the largest consumer protection agencies in the state and saves consumers more than $6 million annually. The department handles more than 90,000 consumer calls and another 3,200 inquires and complaints online.
If you need more information on Ohio car insurance, or if you'd like to file a complaint, you may contact them at 800-686-1526, or online at www.ohioinsurance.gov.
Now, compare and save!
This information has been compiled in an effort to help you gain the knowledge you need to wade through Ohio car insurance information and make an informed decision. We hope you have found it appropriate and helpful.
Now, let InsureMe help you get the quote you need-at a price you can afford! Just fill out our "Get a free quote" box, and you'll get accurate, affordable quotes from Ohio car insurance agents who will compete for your business.
Don't risk going without Ohio car insurance. Protect yourself today!
