Auto Insurance In Ohio (OH)

Finding the right OH auto insurance policy can be difficult for many people.  There are a few ways to help Ohio residents save money on car insurance.  Ohio insurance premiums are, on average, well below those of other states.  Cleveland and Columbus residents do pay higher premiums, but residents in other areas will enjoy lower premiums.

To get the best rate, it's important to shop around.  You can use an online website to get quotes from many different insurance companies at once.  This can help find a better rate, but it can be difficult and confusing to compare rates like this.  An insurance agent can also help find the right policy for your needs.  Also ask friends and family for recommendations if their needs are similar to yours.

All Ohio residents must carry $12,500 minimum with a limit of $25,000 for injury to the body coverage.  Property damage liability must be at least $7,500.  You can also add on uninsured motorist protection to help protect you against other drivers without insurance.

A basic policy will not cover stolen or damaged vandalized vehicles.  Hail or other natural disasters can cause damage to the windshield and windows that may not be covered in a basic policy.  Collision and comprehensive insurance will help protect you in these cases.

When looking for OH auto insurance, look for discounts.  Some companies offer rewards and discounts for different things.  Some give discounts based on the vehicle or safety features.  The driver's personal driving record also affects insurance premiums.  It's important to look at all of these factors when selecting an insurance policy.