Ohio Car Insurance

Welcome to Ohio Auto Insurance Key; your source for information on Ohio Auto insurance. It is our job to educate you on the much sought after insurance policies. Here you will find up to date information on the basic requirements, policies, and most importantly how to save money. So sit back and let us show you just how easy finding good rates on auto insurance in Ohio can be.

Basic Ohio Auto Insurance Requirements

Auto insurance is easy to come by in Ohio as their minimum requirements are relatively low. This makes saving money easy; but it also reduces your coverage for accidents. You must have a minimum of $12,500 for each person injured in an accident and a total minimum of $25,000 for everyone in a single accident. You are also required by law to carry a minimum of $7,500 for any damage you might do to some one’s property in an accident. These basic minimums are necessary, but you may want to add to them or add other coverage that is not mandatory.

Other types of insurance include collision, comprehensive, underinsured, and uninsured plans. These plans are not liability coverage; they are personal coverage to protect you if you ever become the victim of an accident. The minimums of the state are liability coverage; they cover the other people who may be involved in an accident should you be at fault, but they also protect you from getting sued for medical expenses, loss of work, and suffering and pain claims which might be filed against you.

It is very important to carry adequate insurance at all times, not only for your protection but to avoid penalties from the law. For a first offense you will have your license suspended for ninety days and a fee of $75 to reinstate your license. Other offenses are more serious and harsher.

Cutting the Cost of Your Ohio Auto Insurance Rates

It is a fact that your insurance premium is directly linked to the type of vehicle that you drive. So owning a car with a good crash and safety rating will give you a lower premium than a SUV or high performance car would. You can also make sure that your car has day time running lights, side airbags, automatic seatbelts, and anti-lock brakes to receive some discounts on your premium. There is probably some coverage that you do not need, such as collision or comprehensive on an older vehicle. Usually these plans would cost more than the value of the vehicle, anyway. If your older vehicle receives damage that is more than its worth to fix most insurance companies will simply total it are give you the vehicle’s current value by the book.

It is a good idea to install such anti-theft devices as a GPS and an alarm in your car, and to park it in a garage or a parking lot that is locked if you have access to these. Not only will these little tricks protect you vehicle but you will likely be eligible for a discount on your premium. You may also consider not filing any minor claims with your insurance company, because the more claims you file the higher your risk to an insurance company and the higher your premium.

It is extremely important that you fill out quotes and applications with the correct information. Your premium is based on this information. Also you will want to double check and make sure that your information is correct on your policy, to avoid a higher premium. You should be very careful that you vehicle is classified correctly with its make and model number, your address is right, the correct ages of drivers on you policy, and any applicable discounts are applied to your policy.
You may be eligible for discounts if you have more than one vehicle on the same policy or house/health insurance from the same company as your auto insurance provider; or if you take a course specially designed for driving defensively. You may also get a discount if you are 25 years or younger, in school/college and receiving good grades. This shows the insurance company that you are dependable even if you have not built a good credit score yet. Also if you are between the ages of 50 and 65 you will be considered a mature driver and receive a discount on you premium for that.

Do not forget to review your policy regularly and change it as necessary. There are factors in which it is important to consider your current policy; these include the addition or removal of: vehicles, drivers, and mileage driven every year. You will also want to review your insurance policy when you replace an old vehicle.

Find and Compare Free Ohio Car Insurance Quotes Online

You should also look at what different companies are offering for plans and their costs, coverage, and financial dependability. You can do this simply and easily using our free rate tool at the top of the page to compare insurance companies side by side in the most convenient manner. Get started comparing Ohio auto insurance quotes now!