Affordable Car Insurance Auto Insurance in Ohio - Compare Rates

If you happen to be a driver in Ohio, keep in mind that it is illegal to drive any vehicle without insurance or other proof of financial responsibility (FR). So keep yourself insured at least for the sake of not running into trouble with law.

Generally, you and family are covered under the mandatory insurance with minimum liability requirements.

Bodily Injury Liability (BI) Coverage
>> $12,500 per person injured in any one accident and $25,000 for all persons injured in any one accident.
>> This cover will pay for injury/death to others and legal costs, when you are at fault. Keep in mind that this will pay for injuries for any one person's injuries.

Property Damage Liability (PD) Coverage
>> $7,500 for destruction and damage of property of others in any one accident.

The Ohioan motto of With God, all things are possible shows how optimistic you are, but then while buying insurance it is better to be pessimistic. Follow the axiom "prepare for the worst, hope for the best".

So it is necessary that you not only take minimum mandatory insurance but also buy additional cover in case you need it.If you don't have sufficient coverage,the law allows the victim to take any assets to cover the costs (medical costs, repairing costs, legal costs), so it is better to be adequately insured.

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Optional Coverage

Collision Coverage
It pays for repairs to your vehiclewhen it hits another vehicle crashes into something. It paysno matter who causes the accident.

Comprehensive Coverage
Other than Collision coverage, the Comprehensive coverage covers for physical damage. This coverage pays for damages caused to the vehicle that result from incidents that are not collisions e.g.theft, fire, vandalism, hail, falling objects or hitting an animal.

Medical Payments (Med Pay) coverage
It is an optional coverage that pays for the costs, no matter who is at fault. It covers you or your passengers (including your family members) up to a specified amount for medical expenses followed by an accident.

Financial protection against uninsured/underinsured drivers
There are many drivers who are either uninsured or inadequately insured, so you can take an optional coverage for the safety sakes. It pays for injuries to you and your passengers when the other driver does not have enough insurance to pay for your injuries.

Uninsured Motorist Property Damage
This will pay for any damages caused to your vehicle if an uninsured motorist was responsible for it. If you take collision coverage then this coverage is not necessary as it covers the same risk.

The deductible is the amount you must pay out of your own pocket every time you claim form your insurance company. Higher deductibles means you pay a higher amount to cover for your losses, this usually means that insurer has lesser risks and hence generally results in lower premiums.

You can also ask you insurer for a discount. You may be pleasantly shocked to seeyour premium rates drop with discounts.

To qualify for the discount for older drivers, you must be between the age of 60 & 70 and pass an accident prevention course and have a satisfactory driving record for 3 years. You can avail discounts between 2% to 15%.

When it comes to purchasing insurance don't hesitate to get quotes from several companies, also check their credit ratings and make sure you crack the right deal.

So go ahead get your car insured and cruise down the Lincoln Highway!!

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