Cheap Car Insurance In Ohio
Cheap Car Insurance In Ohio
Cheap Car Insurance In OhioLow cost Ohio auto insurance rates are available from most major auto insurance companies. Geico, Progressive, State Farm, Allstate and many other Ohio car insurance companies offer low cost policies. Ohio premiums tend to be much lower than most other states and a wide range of plans are available to both individuals and families. Of course, all policies must meet the state's guidelines for financial responsibility.
Typically, Ohio auto insurance rates are lower in the southern portion of the state. Rates in the Cincinnati, Dayton, Springfield and Columbus areas tend to be less than rates in the Cleveland, Akron, Canton and Toledo areas. However, each company offers different rates in each area, so it's always wise to get multiple quotes from different carriers. And sometimes, neighboring counties may have rate differences by as much as 20%.
There are many ways to reduce your auto insurance rates. Perhaps the most popular option is to increase the collision deductible. If you rarely have at-fault accidents, increasing the deductible from $100 to $250 or $500 could save hundreds of dollars every year. There are numerous other available cost-saving ideas including a "good driver" discount, "55 and retired" discount, "multiple policy" discount if you have more than one line of insurance with the same company, and a "good student" discount if there is a youthful driver in the household.
Eliminating unneeded coverage can also reduce your rate. Although it's tempting to purchase extra benefits, it could also prove to be very costly. Roadside assistance benefits may be costing you $25-$100 per year. But often, you may already have that coverage through a new vehicle warranty or from a credit card benefit. It's always a good idea to check your policy for benefits that you may not need. An annual review of your entire policy is always recommended.
Ohio law requires auto insurance policies to contain bodily injury and property damage liability coverages. Insurance cards must be provided by the insurer for every vehicle on the policy. A certificate of proof of financial responsibility is also required on a form provided by the Ohio Bureau of Motor Vehicles (BMV).
The minimum allowed bodily injury coverage for Ohio drivers is $12,500 per person and $25,000 per occurrence. The minimum allowed property damage coverage is $7,500. Of course, you should carry much higher limits on your auto insurance policy since current law allows a victim to sue and possible recover your assets to cover the cost of their damages. Each of the minimum coverage limits should be increased by 400%, if possible.
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