You have to have car insurance to drive in the state of Ohio. If you are unable to produce proof of insurance when you are stopped by a law enforcement officer you risk the chance of being fined for your actions, having your driver’s license and registration suspended, and your car impounded. Every state requires their drivers to be insured and carry a minimum amount of liability insurance. The minimum amounts are different for every state. The required insurance for the state of Ohio is listed below:
- $25,000 to cover the injuries or death of one person involved in one accident
- $50,000 to cover the injuries or death of all people involved in one accident
- $25,000 is to cover damages to another person’s vehicle and property
These are just the minimums you have to carry; you can always carry additional insurance as well as higher amounts of coverage.
When you are shopping to get Ohio car insurance quotes make sure you check out all of the major companies. Ask your family members and friends to see what companies they use for their insurance. Find out if they had to submit a claim how the company was to work with.
If you want to keep your premiums low all you have to do is keep your driving record clean. You may qualify for a safe driver discount. While you are talking to your insurance agent make sure you ask about any discounts you might be eligible for. Some of the more common ones are paying your insurance premium all at one time instead of monthly installment payments. If you are or have been in the military you and your family can enjoy a discount on your premium.
If you are insuring more than one vehicle you will probably qualify for a multi-car discount. You can also save if you bundle your insurance policies. If you bring your homeowners insurance, life insurance and even health insurance if the company offers it to the same place where you have your car insurance you can save on all of the policies involved.
Never let your car insurance lapse or you may have trouble getting new insurance. You may even put yourself at risk of paying much more for the same coverage just because you were not able to show you can be financially responsible to pay on time.