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A vehicle can be more than just point A to B. It can be a hobby, independence, or status. However you define it, your vehicle is something you want to protect with a good auto insurance policy. One with good value for the money — and one that will take care of you if your vehicle is damaged or you get hurt in an accident.
Car & Automobile Insurance
Despite its wide usage, unquestionable usefulness, and vast knowledge available on the internet, insurance can still be puzzling or even a mystery to some. Some questions these confused folks ask include: How does insurance work? What are its benefits? Which is the best insurance policy? Luckily, these questions are not rocket science and have simple, easy-to-understand answers for those who may still be in the dark.
For one, consider insurance as a financial safety net that enables you and your loved ones to receive some financial compensation after an unexpected setback, for example, a natural disaster, lawsuit, theft, fire, or car accident. The insurance policy you purchase is a legally binding contract between you and your insurance company. Car insurance is one of the more popular insurance policies in the industry.
What is car insurance?
Car/auto/vehicle/motor insurance is a type of insurance meant for all road automobiles, including cars, SUVs, trucks, and motorcycles, among others. The main purpose of car insurance is to offer financial protection from physical damage or bodily injury arising from car mishaps such as collisions and against liability that may also arise from car incidents or accidents.
Car insurance may also protect against car theft and damage to a car due to events that are not related to traffic collisions. Examples of such events include weather or natural disasters, keying, and damages arising from collisions with stationary objects. The precise terms of a car insurance policy vary according to jurisdictional laws.
Driving with car insurance coverage takes away the uncertainty of what will happen in the event of an unexpected incident. No matter how skilled in driving you may be, there are several driving situations that defy great driving skills. For example, in situations of high-speed brake failure, you can only do your best, but chances are that you’ll most likely ram your car into another vehicle or a nearby building. Moreover, car insurance is mandatory in all but two US states.
In a nutshell, a good insurance policy gives you both peace of mind and protection against a variety of difficult scenarios.
How much does car insurance cost in Ohio?
Ohio car insurance is comparatively not very expensive. On average, car insurance in Ohio will cost you around USD 1,037 annually. This is 27.3 percent lower than the US national average.
Note that car insurance premiums are also influenced by factors other than your state of residence. Some of these factors include age, gender, marital status, credit score, and driving history, among others.
Ohio Auto Insurance Requirements
Auto insurance laws in Ohio require drivers to have a policy with a minimum of 25/50/25. What this means is that you need nothing less than $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident, and $25,000 for property damage liability per accident.
It is essential to first determine your needs and circumstances before determining the precise amount of Ohio insurance coverage that is best for you. However, whatever you decide on must comply with the minimum requirements in Ohio.
Note that Ohio’s minimum car insurance offers only basic protection. But just because there’s a minimum doesn’t mean it’s the smartest option to go with. You may need additional protection that exceeds the minimum requirements, which means you have to purchase higher liability limits and extra coverage options.
Required Car Insurance Coverage Listed
Optional Ohio Insurance Coverages
List of Optional Ohio Insurance Coverages
Uninsured & Underinsured Motorist
Medical & Personal Injury
Ride For Hire
The popularity of rideshare insurance has been increasing, thanks to TNCs like Uber and Lyft. If you’re a rideshare company driver, you’ll require special protection, which your personal car insurance policy does not cover.
Uber and other rideshare companies usually offer insurance protection when driver staff logs into the company’s app. However, there may be limits to this coverage pending when a ride request is accepted. Usually, the driver’s personal car insurance policy will also have coverage exclusions for this period. Rideshare insurance can help the driver fill these coverage gaps.
Rental Reimbursement Coverage
Top Ohio Car Insurance Company
How Do I Get A Quote?
Frequently Asked Car Insurance Questions
What are the Minimum Auto Insurance Requirements in Ohio
Some of the minimum requirements to meet financial responsibility; $50,000 in coverage for injuries and deaths resulting from an accident you cause, $25,000 for property damage liability.
It is highly recommended to get more coverage. Liability coverage can even hick in if you or a family member is driving your vehicle. As well it is likely to cover you in the chance you get into an accident in a rental vehicle
What Are Some Additional/Optional Auto Insurance Coverage Options?
Some additional coverage includes:
Bodily Injury and Liability
Property Damage Liability
Medical and Personal Injury
(See above for further descriptions)
What's the best way to save on car insurance?
Compare the prices offered by several auto insurers to arrive at the most cost-effective solution for you
Bundle your home and auto insurance policies
Review your deductibles
Look out for car insurance discounts
Allow your insurance company to track your driving
Enroll in a defensive driving course approved by your insurer
Use a safe vehicle with minimal maintenance or repair costs
Improve your credit score if possible
A number of insurers will reduce your car insurance if you park your vehicle in your home garage (which is less prone to car theft) rather than in your driveway or on a street