The recent fall in auto insurance costs throughout the United States has seen many rural areas enjoying some of the best terms seen in many years when it comes to taking out a policy. In particular, Ohio now has some of the lowest insurance rates throughout the entire country and the recent drop of 13% on the price of a policy now sees the average cost of auto insurance sitting at just $1,206. When compared to the latest national average of $1,576, this represents a saving of $370.
There are a small number of minimum level requirements in relation to auto insurance in Ohio and these are laid out as follows:
- $12,500 worth of bodily injury liability coverage per person
- $25,000 worth of bodily injury liability coverage per accident
- $7,500 of property damage coverage
While many states now require motorists to take out protection against uninsured and underinsured motorists on a mandatory basis, this level of cover remains optional in Ohio. However, legislation requires all insurance carriers to offer this important add-on to customers when a policy is being sold. It is also optional to purchase personal injury protection and most insurers advise their clients to add this feature to a new policy.
Personal injury protection will take care of all reasonable or necessary medical expenses in the event of a road traffic accident and in some cases, coverage can be topped up to cover loss of earnings if a motorist is unable to return to work after accidents of a more serious nature.
Ohio Car Insurance and Higher Policy Limits
Drivers in Ohio are required to buy a certain level of third party liability insurance coverage by law. A person may choose to purchase only the minimum level of protection, and he or she will be operating within the law.
The minimum level of coverage required for drivers in Ohio is $12,500 to pay for injuries sustained by one person and $25,000 for injuries of multiple accident victims. Along with the bodily injury liability coverage, drivers must have a minimum of $7,500 in property damage coverage in place to pay for repairs to the other driver’s vehicle.
Property damage coverage also covers repair costs for public property, such as sign posts, mailboxes and light stands.This is not a lot of protection, especially when faced with having to pay for damages in a serious accident. The insurance policy will pay out up to the policy limit, but any amount owing above that amount is the personal responsibility of the policyholder.
Here’s how it works:
A policyholder buys $12,500 in bodily injury protection.
The medical bills and lost wages of the individual injured in the accident come to $25,000.
The insurance policy pays out $12,500, as it must do under the insurance contract.
The remaining amount ($12,500) must be paid by the policyholder.
Ohio Car Insurance for High Risk Drivers
If you have been rated as a non-standard driver for car insurance purposes, you have been deemed a higher risk to insure. You will be paying higher rates for your coverage than a low-risk driver, but that doesn’t mean that you shouldn’t shop around to get the best rates for your personal situation.
In a case where you have been deemed higher risk because you have been involved in one or more accidents or you have accumulated moving violations, you may not continue to be a high-risk driver forever. If you can maintain a clean driving record for at least a couple of years, you can improve your rating.
In the meantime, you may find it challenging to get coverage from a standard car insurance company. There are insurers who have targeted the niche market of high-risk drivers, and an online search can help you to find these companies.
Do shop around for your Ohio car insurance, no matter how you have been rated for coverage purposes. Even among high-risk car insurance providers, pricing can vary and you want to get the best deal possible for your current situation.
Hopefully, your high-risk status will not last forever and you will be able to get standard rates after a few years. Once you have improved your rating, take care to avoid any more accidents or moving violations.
General Auto Insurance Tips for Ohio Drivers
If you are an Ohio driver looking for coverage, check out these general auto insurance tips before choosing a provider. They will help you find the right coverage without paying more than you have to:
- Review your existing policy to determine whether you are adequately covered or if you need to change your policy provisions.
- Once you know how much coverage you need and what type of protection you are looking for, start investigating different insurance companies.
- Visit different insurance company web sites to find out about various providers licensed to sell policies in the state. You will want to be sure that the ones you are considering have been in business for a number of years and have the financial resources needed to pay out on policyholders’ claims.
- Good customer service practices are also an important part of choosing an Ohio auto insurance policy, and a prospective buyer should make a point of determining how easy it is to contact a company representative with questions or concerns about his or her coverage.
- Get quotes from several providers before making a buying decision. Pricing can and will vary, depending on the company and the level of risk that it is willing to assume on behalf of a customer.
- Review all quotes for coverage carefully after receiving them. Confirm that all of them are for the same type and level of protection before considering pricing.
The Best Ohio Auto Insurance Rates for Teenagers
If you have teens in your household, you want to be sure they are properly insured. Ohio auto insurance rates for teens are quite high, and this is true for young and recently-licensed drivers all over the country.How can you make sure that your teen has the right level of protection, while keeping costs down?
The best way to accomplish this two-pronged goal is to add the teen to your existing auto insurance policy. Rates are lower for an occasional driver than a primary one, and this is the most cost-effective way to make sure that the young driver in your home has the coverage he or she needs.
A change in circumstances like this one is a good time to evaluate your coverage. Contact your insurance company to find out how much it will cost to add your teen to your policy. You should also contact some other Ohio auto insurance companies to get quotes from them as well.
You may find that another provider can give you a better deal on your car insurance coverage. If your current car insurance company can give you the best rates, then you don’t need to make a change. In a situation where another company can give you better rates, make sure that the new policy is in force before you cancel the existing one to make sure there is no lapse in coverage.
Ohio Motorcycle Insurance Minimum Requirements
If you are thinking about buying a motorcycle in Ohio, you need to have a minimum level of liability coverage on it to drive legally. You will need to have at least $12,500 in bodily injury liability coverage in place to pay for damages sustained by a single accident victim and $25,000 in coverage for all people injured in an accident where you are the at-fault driver.
Along with the bodily injury insurance, you will need to have at least $7,500 in property damage in place. The property damage coverage pays for the cost of repairing the other driver’s vehicle following an accident, as well as public property damaged in the accident, such as mailboxes, sign posts, and light stands.
Along with the liability insurance coverage, you will want to have coverage in place to protect your bike. Collision and comprehensive coverage is available for motorcycles as well. If you took out a loan to pay for your ride, the lender will likely insist that you have this coverage in place as a condition of advancing the loan funds. The collision coverage pays for the cost of repairs to your bike resulting from striking another vehicle or object.
The comprehensive coverage pays out when the damage is caused by something other than a collision. It covers you for damage caused by wind, flooding, vandalism and fire. This part of your policy also covers you for theft.
Save Money with Online Ohio Car Insurance Quotes
Going online is a great way to get quotes for Ohio car insurance coverage and shopping around can help you save money on the cost of your coverage, too. Rather than waiting for normal business hours to find out how much you will need to pay for this necessary protection, you have the option of visiting company web sites at any time of the day or night.
Many car insurance companies now maintain an online presence, and they know that operating a web site means that they can advertise their products on a 24/7 basis.
When time is of the essence and you need to get pricing information right away, check out a car insurance web site that has a quote tool. With this option, all you need to do is enter your information once, and you can get quote for your Ohio car insurance coverage from several companies. From there, you can choose which one you would like to provide your coverage.
You can also save money on your coverage by comparing rates from different providers. Each one sets its own rates for coverage, and a person with the same insurance profile will find that the cost of car insurance in Ohio can vary greatly between providers. By taking the time to order multiple quotes, you have the potential to save yourself a significant amount on the cost of your car insurance by doing so.
How to Get Low Auto Insurance Rates in Ohio
If your goal is to get low auto insurance rates in Ohio, you need to understand how companies determine how much to charge their policyholders. When a driver applies for coverage, the insurance company determined how much risk that person presents for coverage purposes. If the insurance company determines that he or she is a high risk driver, the rates will be higher. If the level of risk is higher than the insurer is prepared to take on, the company will refuse to provide coverage and the driver will have to look elsewhere.
Good drivers can qualify for better rates on their coverage than individuals who have been involved in one or more accidents or who have accumulated moving violations. It is possible for a person who has been the at-fault driver in an accident to qualify for preferred driver status after the fact, but he or she will be paying higher rates for at least a few years following the incident.
Buying auto insurance and homeowners’ or renters’ insurance from the same company is another effective way to keep car insurance costs down. A number of companies offer discounts to customers who purchase more than one policy or who insure multiple vehicles on the same one. Multiple vehicle discounts include motorcycles, RVs and boats, as well as cars. Buyers should make a point of asking about other types of discounts available from different insurance companies.
State of Ohio Auto Insurance Liability Coverage
In the state of Ohio, auto insurance liability insurance is required by law. A minimum level of coverage has been determined by lawmakers, but individual drivers can choose to buy a policy with a higher level of protection if they wish. Since the minimum requirement is relatively low, it’s a good idea for all drivers in the state to consider buying a policy which will provide them with a higher level of protection since they would be personally responsible for paying for damages once the available coverage has been exhausted.
Ohio drivers must buy at least $25,000 to pay for injuries and damages suffered by a single occupant of the other vehicle in an at-fault accident and $50,000 to pay for all injuries stemming from the same accident. The bodily injury part of the policy also pays out a funeral benefit in the case of a fatal accident.
Property damage liability coverage pays to repair the other driver’s vehicle. If the car is totaled in the accident, it compensates the other driver based on the car’s cash value. This part of the policy also pays to repair public property damaged in the accident, including buildings, fences, guard rails, sidewalks, mails boxes and light stands.
The right level of coverage will depend on the individual driver’s level of assets that he or she wants to protect. The more property the driver has accumulated, the higher the policy limit should be.
How Ohio Car Insurance Companies Set Rates
When Ohio car insurance companies are setting rates for customers, they consider several factors. The main one they consider is the applicant’s driving record. A person who doesn’t have a history that includes accidents or moving violations will be able to get better rates than someone who has a less-than-perfect record, since the insurance company looks at past behavior as a way to predict how the person will behave in the future.
The list of criteria for determining rates also includes the make and model of the vehicle. Insurers know that some cars are more expensive to repair than others. If you drive one that falls into this category, be prepared to pay more for your car insurance coverage. The same rule applies if you own a car that is more likely to be targeted by thieves or you happen to live in an area that has a history of multiple car thefts.
Your age, gender and marital status are all factored in when car insurance companies are setting rates for your coverage. Young drivers (whose under the age of 25) tend to pay more for their car insurance coverage, since they are higher-risk customers. Young males get charged the highest rates of all, since they are statistically the most likely to be involved in motor vehicle accidents. Marital status gets thrown into the mix because insurance companies consider married people to be more responsible than their single counterparts.
How to Find Cheap Ohio Car Insurance
Consumers can find cheap Ohio car insurance coverage if they are willing to spend some time checking out different options. Each company licensed to sell insurance in Ohio sets its own rates for the coverage it sells. Spending some time getting quotes from several companies can help you find the lowest rates for your personal situation.
Going online is a great way for you to check out different companies and find out about the products they sell. Give yourself some time to do your homework and start looking for quotes a couple of months before your current policy is up for renewal.
You can conduct an online search for car insurance companies in your city or town, or in Ohio if you wish. Once you have the results, click on links for companies you would like to learn more about. Be sure to check out the “About Us” section of the site to discover whether the company is a well-established one and has the financial resources to pay out on a claim if you ever needed to make one.
Ordering quotes online is usually a simple matter of filling out an online form. If no online form is available, you can contact the company to request one.
When you want to get pricing information right away, visit a web site equipped with an insurance quote tool that can provide you with pricing from several companies at once for cheap Ohio car insurance.
Save Money with Free Ohio Car Insurance Quotes
Getting online quotes from several Ohio car insurance companies is a great money-saving strategy. Not all insurers in the state charge the same rate for similar levels of coverage and if you want to get the best deal possible, you should check out offerings from a number of providers.
The Internet makes it easy for you to get quotes and compare rates at a time that is convenient for you. You don’t have to wait for traditional business hours to do so, and if you find a company that feel would provide you with the right coverage at a good price, you can even buy your coverage online in many cases.
If you want to get coverage information in a hurry, check out a web site with an insurance quote tool. You will only have to enter your personal information once, and you will receive quotes from several companies licensed to do business in Ohio.
In a case where you have more time or you want to educate yourself about car insurance coverage before making a decision to buy, you also have the option of visiting individual car insurance company web sites.
Take your time to explore them carefully to gather information about the company itself, as well as the products they offer. Ask for quotes from the ones that interest you most, and them compare them to find out which company can give you the best protection for your money.
How Often Should You Review Your Ohio Auto Insurance Coverage?
If it’s been awhile since you reviewed your Ohio auto insurance policy, take some time to go over it now. Car insurance is not something you buy once and then forget about. Your needs do change over time, and by reviewing your policy annually you can make sure that you have the right type and level of coverage in place.
Ideally, you should buy as much coverage as you can afford. Car insurance coverage is something you put in place to protect your assets. If you are involved in an accident and you are found to be at fault, you are required to pay damages to the other driver and the occupants of his or her vehicle for injuries and lost wages. You are also responsible for paying for repair costs for the vehicle, as well as any public property damaged in the accident.
Along with liability coverage, you also want to buy coverage that will protect your own vehicle from damages from a collision, as well as fire, wind, vandalism, hail or striking an animal. You also want to be sure that you are covered if your vehicle is stolen.
Personal Injury Protection (PIP) coverage pays for your medical bills and lost wages if you are injured in an accident. When you are looking at Ohio auto insurance coverage, don’t forget to think about how you can protect your income if you are unable to work for a time.
Young Driver Auto Insurance in the State of Ohio
Young motorists in Ohio could be forgiven for thinking that cheap auto insurance is practically impossible to find. As with every other US state, teenage motorists are heavily penalized because of the damning accident statistics that indicate a disproportionate number of new drivers being involved in road traffic accidents.
In reality, cheap auto insurance quotes are actually easier to find than one would first imagine. First and foremost, young drivers should learn the basics of price comparison techniques and from there, the next step is to take a few simple precautions that will help to build a safe driving history in a relatively short period of time.
- Always use a trusted price comparison website that only offers free auto insurance quotes
- Insist on only obtaining quotes from top-rated auto insurance companies so that all your coverage needs are met
- Obtain as many quotes as you can so that they can be compared on a like-for-like basis in order to find the best possible deal
- Consider taking a defensive driving course at the earliest available opportunity as a means of displaying maturity and responsibility to your chosen auto insurance carrier
- Stick with older vehicles with a small engine capacity and avoid sporty models with high performance engines
- Adopt a conscientious attitude at school to obtain better grades. This will qualify you for additional discounts
- Restrict your mileage wherever possible. The less time you spend on the road, the cheaper your auto insurance quotes are likely to be
How to Compare Ohio Auto Insurance Companies
When you are trying to compare different Ohio auto insurance companies, how do you choose the right one? Before making a final decision about where to buy a policy, start by thinking about what criteria are most important to you in a provider.
For some car insurance buyers, price is the most important consideration. These customers may be more willing to buy a policy from a national carrier that can offer lower rates. Other Ohio auto insurance buyers want to be able to establish a personal relationship with the company they choose, and will buy a policy from a smaller company because of this fact.
Once a customer knows what he or she is looking for in an auto insurance provider, he or she can start looking for a company. The customer should get quotes from a number of companies before making a buying decision. The rates that auto insurance companies in Ohio charge for coverage can vary significantly between providers.
After the quotes have been received, the customer should take the time to review them carefully. Taking the time to check out the company’s web site to get an idea of how well it treats its customers is an important part of the process. Good customer service practices are important to a number of buyers, and they want to be sure that they are working with a company that has a track record of settling claims quickly and efficiently.
Save $500 on your Ohio Auto Insurance Policy
The difficult economic times that we live in have led to millions of households tightening their monthly budgets in order to survive the latest recession. Luxury consumer items are left unsold on the shelves and even essential supplies and products are being purchased as cheaply as possible while we wait for the greens shoots of recovery to show.
Auto insurance continues to be a vital outgoing in many Ohio homes and the additional costs of being caught without sufficient coverage in place has turned the search for cheap auto insurance quotes into a veritable frenzy. Thankfully, Promiga have an extensive range of money-saving options available that could save you up to $500 each year on your auto insurance requirements.
We work in partnership with a large range of A-rated auto insurance providers to bring our site visitors a wealth of choice. Industry giants such as GEICO, State Farm, Progressive and Esurance all offer cheap auto insurance quotes through our dedicated website and every single one of the blue ribbon companies has a range of policies available to suit every pocket.
We know times are hard so we never apply any fees, charges or commissions to your online auto insurance quotes. Promiga only supply free auto insurance quotes and we never place any obligation on you to actually make a purchase. Every single one of our online auto insurance quotes can be accessed with nothing more than an Ohio ZIP code and we never ask for personal information that can be sold on to third party companies for a profit.
How to Find Low-Cost Ohio Auto Insurance Coverage
Finding low-cost Ohio auto insurance coverage may seem like a daunting task, but it can be done. Drivers who are on a budget and want to find the most economical way to get the coverage they need need to start with a plan.
Determine What Type of Coverage is Needed
The first step in the process is to determine exactly how much auto insurance coverage is needed and what type of protection should be added to the policy. A good place to start this process is by reviewing the current coverage to see if it provides a good level of protection and if the policyholder is paying for any extra frills which can be dropped.
Once a driver knows exactly what type of insurance he or she is looking for, the next step is to get quotes from different providers. Going online is an effective way to investigate different Ohio auto insurance companies and to learn about the products they offer and get an idea of how well they treat their policyholders.
Ask About Available Discounts
Many insurance providers offer a number of discounts to their policyholders in different circumstances. Good drivers and customers who buy more than one policy (home and auto, for example) can qualify for price breaks from their insurance provider. Ask whether the insurance company offers a discount to buyers who have completed an approved driver’s education or defensive driving program. Other discounts may be offered to customers who buy a policy online, so be sure to ask about this as well.
Ohio and your Auto Insurance Coverage Requirements
The sparse geographical landscape and population density of Ohio sees the Buckeye State enjoying some of the cheapest auto insurance rates in the entire country. Indeed, a typical auto insurance policy in Ohio now costs $1,248 which is approximately $329 less than the national US average. However, during the first half of 2010, auto insurance rates in Ohio increased by almost 8%.
As with all other US states, road users in Ohio must meet the minimum mandatory levels of auto insurance coverage in order to drive their vehicles legally. A basic Ohio auto insurance policy should contain the following coverage:
- $12,500 worth of bodily injury liability per person
- $25,000 worth of bodily injury liability per accident
- $7,500 worth of property damage liability
Although motorists in Ohio are currently enjoying some of the lowest auto insurance rates in the country, further savings can be made on the cost of a policy if auto insurance quotes are reviewed using effective price comparison techniques. A dedicated online platform such as the one provided by Promiga Auto Insurance Quotes allows motorists to choose from multiple policies offered by top-rated auto insurance companies.
Unlike many other price comparison websites, Promiga never seek to charge a fee of commission for our services and all of our online auto insurance quotes are completely free of charge. There is never any pressure placed on site visitors to actually make a purchase and we never ask you for sensitive personal information. With a simple Ohio ZIP code, you can look forward to enjoying huge savings on your current auto insurance rates.
Ohio Car Insurance Minimum Coverage
For Ohio car insurance buyers, the minimum levels of coverage required by law are relatively low. Drivers must have bodily injury liability coverage in place to pay for medical bills and lost wages incurred by the occupants of the other vehicle in an accident. The minimum level of coverage for Ohio drivers is $12,500 for a single accident victim and $25,000 to compensate all victims of the same accident.
Along with the bodily injury coverage, Ohio car insurance consumers must have property damage liability coverage in place. The minimum level of protection required by law is $7,500, and this coverage is used to pay for the cost of repairing the other driver’s vehicle and any public property damaged or destroyed in the accident. Public property includes fences, light posts, signs and mailboxes.
A person who chooses to buy only the minimum level of protection required by law is operating his or her vehicle legally, but the minimum level of protection mandated by the state falls well below the level of coverage recommended by the Insurance Information Institute of $100,000 in bodily injury protection for a single accident victim and $300,000 for all damages inflicted in a single accident. Buying a policy with a low level of protection means you are leaving yourself open to having to pay damages personally since your policy may not provide you with enough coverage to fully satisfy a claim made against you. Shop around for coverage so that you can get the best level of Ohio car insurance coverage you can afford.
How Seniors Can Get the Lowest Rates for Ohio Auto Insurance
When a change occurs in an Ohio auto insurance policyholder’s life, he or she should take the time to evaluate whether their current coverage is appropriate to meet their needs. A person who is either semi-retired or retired should be taking this step.
Older adults who have clean driving records can qualify for low rates on their auto insurance coverage. They have a number of years of driving experience and are considered low risk drivers, especially if their annual mileage has dropped since they retired or decided to work part-time.
Taking the time to get quotes from several Ohio auto insurance providers will help you find the right insurance, at the right price. Even customers who have been with the same provider for a number of years should take this opportunity to shop around to make sure they are getting the best pricing on their coverage. If the search reveals that they are getting good pricing from their current provider, they don’t have to do anything.
On the other hand, if the quotes reveal that another company can provide a better deal on the senior’s coverage, it may be time to switch companies. If a car insurance consumer decides to do buy coverage from another provider, it’s better to get the new policy in place before canceling the old one. The last thing that a car insurance consumer wants is to run the risk of being caught driving without insurance coverage in place.
Discounts for Young Car Insurance Buyers in Ohio
Young car insurance buyers in Ohio pay some of the highest rates for their coverage. Insurers determine how much to charge drivers in different demographic groups based on the level of risk that they present. Teens, young adults and newly-licensed drivers are more likely to be involved in car accidents, which means that insurers charge them more for their coverage than people who have been licensed for a number of years and who have been able to maintain a clean driving record.
To keep costs down, young drivers and their parents should ask about discounts and price breaks that they may qualify for. A number of insurance companies offer discounts to good students; people who are in school full time and maintaining a “B” average (or better) may be able to save on the cost of their car insurance coverage. Driving a vehicle equipped with air bags and automatic seat belts will also help to keep costs down.
If the young driver is a university student who will be going away to pursue his or her studies (and will not have access to a vehicle during this time), let the insurance company know so that the rate being quoted is not based on that person driving the vehicle on a year-round basis.
Adding a new driver to a parent or other adult member of the household’s policy is another strategy to help keep costs down. The price will be significantly lower than if the young driver decided to buy a policy where he or she is the main driver.
Ohio Teenager Auto Insurance: Important Facts To Know Before Buying
Here’s the bad news: you teenagers may only make up 20 percent of the driving population, but you are responsible for over 400,000 serious accidents each year. Car accidents claim over 5,000 precious young lives each year. Unfortunately, inexperienced first-year drivers are involved in more accidents than any other group. To reduce the number of statistics, the state of Ohio has created a graduated driver licensing program aimed at making the roads safer for everyone.
Ohio Teenager Driving Requirements
- The GDL program may be started at age 15.5.
- The driver must complete 24 hours of classroom study and 50 hours of supervised driving, including 10 at night.
- After 6 months, the driver can then take the skills test for the Ohio drivers’ license.
- At age 17, the driver may apply for a probationary license.
What Is The Ohio Probationary License?
There are a whole list of conditions you must adhere to until you receive full driving privileges. For instance:
- A licensed parent or guardian must be with you in the front seat at all times.
- Permit holders under 18 cannot drive between 12 am and 6 am unless accompanied by an adult.
- Probationary license holders can’t drive with more than one person who is not a family member.
- Probationary license holders between 17-18 cannot drive between 1 and 5 am.
- Exceptions include: driving to/from work, an emergency, charity work, or driving to/from school.
- Drivers in Cleveland and Cincinnati will be fined for texting while driving.
- A 0.02 BAC is enough cause for a DUI.
Ohio Teenager Auto Insurance
Teens must carry a minimum of $12,500 / $25,000 / $7,500 in liability coverage. The average increase resulting from adding teenager auto insurance to your policy is $2,171 per year. However, it can range from $1,200 to $4,900, so it pays to shop around!
Ohio Auto Insurance Laws
In the state of Ohio, there are literally thousands of uninsured motorists breaking the law. The Ohio Dept of Insurance estimates that as many as 15 percent of Ohio drivers carry no auto insurance whatsoever. Even more people are under-insured and unable to pay for damages they may cause in an accident.
Extra Ohio Auto Insurance
For this reason, you may want to consider buying extra UM/UIM coverage, which takes the place of the liability coverage the other driver did not have and pays for the injuries to you and your passengers. Uninsured Motorist Property Damage will cover the cost of repairing your vehicle if the other motorist does not have adequate insurance. MedPay is another optional coverage that pays for injuries to you or your passengers, providing benefits no matter who is at fault in the accident.
What Is The Mandatory Ohio Auto Insurance Coverage Required?
The minimum amount of auto insurance required by Ohio law is as follows:
- $12,500/person for Bodily Injury
- $25,000/accident for Bodily Injury
- $7,500/accident for Property Damage
What Are The Consequences Of Being Underinsured In Ohio?
You must carry proof of auto insurance in Ohio whenever you are driving. You must have a copy of your insurance policy card, as well as a certificate of proof of financial responsibility on a form from the Ohio Bureau of Motor Vehicles. If you are caught driving without financial responsibility, you may suffer one of the following penalties:
- 90-Day Driver’s License Suspension
- License Plate / Vehicle Impoundment
- Court Costs
- $75 Reinstatement Fee
- Impound Fee
To find a better price on your Ohio auto insurance and ensure that you are complying with the law, surf our site for free quotes!
How to Get the Best Ohio Car Insurance for Teens
Ohio car insurance rates for teen drivers are high, and for good reason. Teen drivers lack experience behind the wheel and they are more likely to be involved in risk-taking behavior than people who have been driving for a number of years. Young people look forward to learning how to drive as a normal part of growing toward adulthood, and they must have coverage in place in order to drive legally.
Rather than buying a separate policy to cover the teen driver in your household, a better choice is to add him or her onto your existing Ohio car insurance policy. You will be able to get a better rate if the young person is a secondary or occasional driver on the policy. Since adding a new person to your coverage constitutes a change in your car insurance needs, this is a good time to shop around to make sure you are getting the best rates for your coverage.
Each car insurance company licensed to sell products in Ohio uses its own formula to set rates, and you will find that pricing can vary significantly between providers. Taking the time to get quotes from several companies can help you save money on the cost of your coverage.
Teens who take a driver’s ed course can qualify for a discount on their car insurance coverage, so do encourage your teen to sign up for a program. Insurance companies also offer price break to students who get good grades (B average or better); which is a good reason for young people to keep up with their studies.
Seven Ways to save Money on your Ohio Auto Insurance
Do you live in Ohio? Do you want to save money on your current auto insurance rates? Have you been using other price comparison websites only to find that some of the auto insurance policies on offer are even more expensive than the one you already have? By reading through our selection of money-saving tips, road users in Ohio can soon by enjoying cheap auto insurance quotes through our dedicated website.
- Develop a safe driving history. By adopting a careful attitude to driving, your preferred auto insurance carrier will reward you with a series of excellent discounts
- Take an industry-recognized defensive driving course and pass over the certificate to your carrier for huge reductions on your current auto insurance rates
- Are you a young driver? By maintaining excellent school grades, auto insurance companies will view you as a responsible individual and your auto insurance rates will fall accordingly
- Reduce time on the road wherever possible. This will allow you to declare a lower estimated annual mileage and minimize your chances of being involved in an accident
- Make sure your vehicle is fitted with sufficient safety and security devices to attract further discounts on your auto insurance quotes
- Maintain a healthy credit score. Once again, auto insurance companies love to see a responsible attitude in drivers and making payments on time is just one way that you can impress your chosen carrier
- Always obtain your auto insurance quotes from a reputable price comparison website. Promiga Auto Insurance Quotes operate on a commission and obligation-free basis and only supply auto insurance quotes from A-rated companies
How to use Price Comparison Websites for Cheaper Ohio Auto Insurance Quotes
It’s almost impossible to avoid the presence of price comparison websites in today’s modern consumer age. There are growing numbers of online resources which are advertised nationally on television, in newspapers and in magazines on a frequent basis and the biggest problem that road users in Ohio face is actually finding the best choice from the many options available.
First and foremost, motorists in Ohio should insist on only using a price comparison website that is dedicated to providing auto insurance quotes and nothing else. Although many sites have a multitude of different consumer options available, those that specialize in offering great online auto insurance quotes usually tend to understand the marketplace better than those who are simply interested in increasing sales by offering multiple products for sales.
Once a suitable website has been found, motorists in Ohio should obtain as many auto insurance quotes as possible. Make sure that your auto insurance quotes are being provided by A-rated carriers who work in partnership with your chosen site and don’t be fooled into purchasing inferior products from fly-by-night companies who have little interest in your long-term interests.
A reputable price comparison website will never charge any fees or commissions so make sure your preferred resource is only offering free auto insurance quotes. Furthermore, there’s no reason at all why you should be providing personal information to a site. In most cases, a ZIP code should be the only information your price comparison site requires. Finally, never be forced into making a purchase. A reputable site will provide free online auto insurance quotes on an obligation-free basis.
From our perspective, we believe that there are very few sites that offer the levels of service described above and that’s why we always recommend Promiga for all of your auto insurance requirements.
Ohio State Minimum Auto Insurance Coverage for Drivers
Under Ohio state laws, all registered vehicles must carry at least a minimum level of liability insurance protection. Third party liability insurance pays for claims made by the occupants of the other vehicle and the driver who has been found at fault for the accident is responsible for paying for the damages caused.
The minimum level of protection required under Ohio state law is:
- $25,000 in bodily injury liability coverage to pay for injuries and damages claimed by one accident victim
- $50000 in bodily injury liability insurance to pay for all injuries and damages resulting from the same accident
- $25,000 in property damage coverage to pay for repairs to the other driver’s vehicle and other property damaged or destroyed in the accident
Drivers should consider buying a policy which offers a higher level of protection than the minimum level required by law. These levels of protection will not be high enough to pay for damages caused in a serious accident where one or more people require hospital treatment for their injuries.
Ohio follows a tort system for car insurance purposes, which means that the driver who is found to be responsible for the accident is responsible for paying for the damages caused. The driver’s liability coverage is used to pay for medical bills, rehabilitation services and lost wages incurred by accident victims. It also pays out a certain amount for funeral costs if the accident caused one or more fatalities.
Ohio Young Drivers Looking For Auto Insurance
Young Drivers In Ohio Looking For Their First A Car Insurance
If you are a young driver living in Ohio and are preparing yourself to take to road for the first time, you’re probably already aware of the abnormally high auto insurance rates that are applied to young drivers under 24 years of age. It may seem inconceivable that you’re being unfairly punished before you’ve even turned on the ignition inside your first car, but a closer look at accident statistics relating to young drivers in the United States make for some pretty sobering reading.
In 2008, 31.3% of all fatal road accidents in America involved motorists under the age of 25. This figure was 12.4% higher than in any other age group during the same period, and serves to highlight why auto insurance companies view young drivers as such a significant risk. There are many influencing factors that contribute to these damning statistics.
Research has shown that young drivers are more easily distracted when driving, and regularly use mobile phones when they should be focusing on the road. Furthermore, the driving skills of young road users are rarely refined, and a simple lapse in concentration can ultimately result in a dangerous maneuver that subsequently leads to an accident. It may even be the case that a young driver is simply distracted by the presence of friends in the car and once again, this can result in a potential accident situation.
Naturally, the above driving conditions may not be relevant to every young driver in Ohio, but the accident statistics that contribute to excessively high auto insurance rates will certainly take these factors into consideration. When auto insurance quotes are applied for, the carrier uses underwriters to draw up policy criteria. Underwriters analyze the risk associated with insuring young drivers and if accident rates are particularly high within a state, increased auto insurance rates will usually apply.
The bare minimum car insurance requirement for Ohio drivers is:
- $25,000 bodily injury per person per accident
- $50,000 bodily injury for all persons per accident
- $25,000 property damage liability
It is usually recommended that all drivers purchase the highest amount of auto insurance coverage possible but in the case of young drivers, this makes premiums even more expensive and it can be worth sticking with a basic policy until a safe driving history has been built over an extended period of time.
So how do young drivers in Ohio tackle the problem of expensive auto insurance quotes? To a certain degree, the factors that underwriters use when creating a policy are out of the control of the motorist, but this doesn’t mean that new road users have to sit back and swallow the excessively high auto insurance quotes that are presented to them. Indeed, young drivers who take a proactive approach to securing cheap auto insurance can actually reduce their rates significantly, even within the first year of driving.
Most importantly, young drivers should adopt a sensible, mature attitude to vehicle use. The first thing any young driver should do is to rid themselves of the distractions that can ultimately lead to a potential accident situation. Cell phones should always be carried in case of emergency, but these should be turned off while the vehicle is in use. When carrying friends, the vehicle owner should always apply full concentration to the road ahead and ask that passengers be considerate until their destination has been reached. By keeping one’s mind on the potential dangers of driving a car at all times, individuals under the age of 25 can quickly adapt to defensive driving techniques that minimize the chances of an accident occurring.
Many young drivers fail to realize that there are other factors that lower auto insurance rates. Auto insurance companies like to see their policyholders displaying signs of responsibility, and young drivers who take a state-approved advanced driving examination will be considered to be less of a risk. As well as improving driving skills, an advanced driving course will teach the student how to handle their cars more conservatively and to subsequently minimize the dangers associated with road use.
Young road users who can maintain ‘B’ average grades or above at school can also qualify for cheap auto insurance rates. A sensible approach to studies shows increased signs of maturity and responsibility, and most carriers will reward young drivers with cheap auto insurance quotes if a strong aptitude in the classroom is maintained.
Mandatory Auto Insurance Coverage In Ohio
Driving is a privilege, not a right. Therefore, Ohio drivers must carry insurance and proof of financial responsibility. Ohio auto insurance law stipulates that you must buy Bodily Injury Liability coverage, as well as Property Damage Liability coverage, to pay for any accidents you may cause while driving. You must carry your updated state insurance card with you in your vehicle at all times.
Minimum Ohio Auto Insurance Coverage
Every state has its own mandates, but Ohio requires you to have at least $12,500 per person for Bodily Injury Liability Coverage, at least $25,000 in coverage per accident, and at least $7,500 in Property Damage Liability Coverage. If you cause a crash, this will typically give you peace of mind that the other people and property you’ve harmed will be reimbursed. Your MedPay/PIP insurance coverage will take care of anyone injured in your vehicle.
Reasons To Get More Auto Insurance In Ohio
Sometimes it makes sense to buy more than the minimum coverage. For instance, if you’ve just bought a brand new vehicle, chances are it’s worth more than what your insurance will cover. Generally speaking, if your vehicle (new or used) is worth more than $20,000, you want to buy more coverage. If you have a lot to lose financially, then you may also want to buy more coverage to protect yourself from litigation, as victims may be able to take your assets in court to cover the cost of unpaid damages.
Consequences of Being Underinsured In Ohio
One accident can put the financial future of your family in jeopardy. Even if you have no money, your wages could be garnished to cover the money you owe. Medical costs, in particular, are sky-high, so it’s really a risk you do not want to take! Often times, you can get better coverage than you currently have — for less — by browsing for auto insurance quotes online. Give our site a try, as it only takes a few minutes to get multiple quotes!