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| In Ohio, it is a mandatory requirement that if you want to drive legally in the state you must carry a valid insurance policy. The minimum requirement is to have a liability insurance policy with at least $12,500 per person and $25,000 per accident for bodily injury and $7,500 for property damage. If you are looking for the lowest possible price, request an Ohio car insurance quote with these limits. Other limits and coverage options are available so it is advisable to consult with an insurance agent who has knowledge about many different types of insurance policies. Getting cheap Ohio auto insurance with the state minimum limits may not be advisable for your situation. A better goal would be to try to get an affordable insurance policy for your vehicle in Ohio with the appropriate coverage so that you are properly covered in the event of a loss.
The best way to get a reasonable price is to simply shop around and get a few free Ohio car insurance quotes. Other considerations are the company and the agents who represent them. Our multi line insurance agents directory lists agents who specialize in writing several different types of insurance such as homeowners, renters, condo, motorcycle boat and life insurance just to name a few. These agents also represent some of the top insurance companies doing business in the state. Most insurers offer discount Ohio auto insurance if you purchase more than one policy from the same company. Generally, the more policies that you have with a particular company the more the company will value your relationship with them. This can be important if you have a few claims. Some companies may decide that they no longer want to do business with you after a claim or two and may cancel your policy at renewal. However, if you have more than one policy with the insurance company they are less likely to cancel you just because of a few claims. Call an agent in our directory today for a free Ohio automobile insurance quote and experience a level of service that only an agent can provide you with. They are waiting to get to know you by name. |
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Ohio requires proof of financial responsibility for damage and injury you cause in an auto accident. You can post a cash bond of $30,000, real estate bond of $60,000, or purchase a minimum amount of liability coverage. Many states now also use credit as a rating tool and having good credit can mean a lower rate. The state's standard liability coverage requirements are 12.5/25/7.5. That is $12,500 per individual for bodily injuries you cause to the other persons, and up to $25,000 for all, and $7,500 for damage you cause to the other party's personal property. Overall Rates are determined by the driving habits of the drivers within a state. Ohio determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums. Visit the Ohio Department of Insurance for additional details at the Insurance Basics link on this site. |
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