People hate being sold on something. So instead of telling you this site has cheap car insurance in Ohio that no other site can match, we provide you with the means to compare quotes.
This allows you to prove to yourself whether the companies listed here can save you the most money.
By getting a quote from the insurers listed below and comparing them to either a company in your neighborhood, your current insurer, or any other company you have in mind, you dramatically boost your chances of getting the cheapest rates.
Once you see the rates you get from the insurers listed on this page and view them side-by-side against other companies, you’ll know for sure whether you are getting the best deal or not.
So here’s our list of the top insurers in the state…
State Farm – well represented in Ohio with good pricing, customers service and a website that’s simple to navigate and find what you’re looking for. It’s a great place to start your insurance comparison.
Erie Insurance – is more of a local insurer in the state and from all the customer reviews online, they are considered a very good company to work with in the state.
Allstate Car Insurance – is another national company that should be part of any comparison shopping because they have the leverage to offer good rates.
Auto-Owners Insurance – is a fairly big provider in the Midwest as well as the Southeast US with good rates and a motto of “no problem” claims service.
The process of getting insurance can sometimes be a tricky one.
Everyone wants to make sure they get the best rate and the opportunity to work with a company that will take care of them. By working with agents that really care, not only can you get the best quotes, but you’ll wind up with a firm that looks out for you when you get into an accident.
And the companies listed above are a great place to find an insurer that’s friendly and passionate about helping clients in every phase of the insurance process.
Facts About Car Insurance in Ohio
When compared to other states, getting insured in the Buckeye state is more affordable. However, it still takes a bit of work to find the cheapest car insurance. Though costs are less burdensome than those found in other states, a wide range of prices can be found in OH.
While some drivers want to get their insurance as soon as possible, shopping around can usually lead to a better result.
Selecting a few options and comparing them can help drivers find a rate they feel comfortable with.
But cost isn’t the only factor to consider – drivers also need to work with the right companies.
What to Look for in an Insurance Company
Finding the right company is very important for drivers looking to maximize savings while still getting all the coverage they need. Not only will a good company exert more effort when it comes to taking care of a driver in the event of an accident, they will also be more willing to offer a better deal.
While some may think that higher quality comes with a higher price tag to match, most car insurance companies who know the industry usually know ways to cut their own costs and, as a result, they can offer better prices.
What Are the Ohio Auto Insurance Laws?
Before a driver can decide on what insurance package they want, they must first understand exactly what their insurance must cover. While it may seem difficult at first to comply with all traffic laws in the state without extensive knowledge of them, most insurance companies do this work for the customer.
Liability car insurance can cover the property damage from a car accident. In accordance with laws, insurance must cover:
- $25,000 per person for any injuries or fatalities caused
- $50,000 total for injuries or fatalities to 2 or more individuals in any single accident
- $25,000 for any damage done to property
Both Bodily Injury Liability Coverage and Property Damage Liability Coverage are required by law in an insurance package, but this isn’t the only type of coverage offered. Accidents can lead to a number of other expenses which some drivers don’t feel comfortable managing out of pocket.
You can also check with the state vehicle insurance website for more info.
In order to help drivers handle these issues should they arise, many insurance companies offer a number of other types of coverage as well.
Improving an Insurance Package with Additional Coverage
While car insurance is helpful, standard packages don’t always cover the costs associated with accidents. Some drivers may find themselves dealing with high repair bill after an accident. Others may incur damages too great for the at-fault driver’s insurance to cover. Because of this, many additional forms of auto insurance are available, including:
- Uninsured/Underinsured – This type of insurance can help drivers who are victims of accidents cover costs in the event that the other part isn’t able to given their current insurance package.
- Collision – This type of insurance can help drivers manage the expenses related to repairing their vehicle after an accident.
- Towing and Labor – This type of insurance can help drivers manage common expenses associated with an accident that don’t fall under other categories.
Every smart driver wants to make sure that they are covered just in case an accident occurs. While some may view these types of coverage as unessential, they can make any accident much easier to deal with from a financial perspective.
But car accidents aren’t the only threats to a driver’s vehicle – in fact, more drivers are opting to get car insurance that can protect them from non-accident related damages.
The Rising Popularity of Comprehensive Coverage
An accident can greatly diminish a car’s value and its ability to function properly. But intentional damage to a vehicle can do just as much (and in some cases more) harm. These issues occur when a vehicle is broken into or vandalized.
Given that such events are not covered under traditional liability vehicle insurance, more people are looking into comprehensive car insurance coverage in Ohio to give them the extra protection they need.
Finding out about options like these from reliable sources can mean the difference between getting a top-notch insurance package and one that is subpar.
Getting Consultation from Experts in Ohio
Between car insurance laws, to the facts about working with insurance companies, many drivers find themselves overwhelmed and unsure about where to start when it comes to getting coverage.
Many firms specialize in working with companies in the area to help drivers find the best quotes and the most appropriate package for their needs. These experts can also provide relevant updates to insurance carriers about better deals and more lucrative offers that become available in the area.
Carrying Proof of Insurance on the Road
After getting a quality insurance package, drivers may wonder what information they need to carry with them in order to comply with Ohio auto insurance requirements.
After registering a vehicle in the state, drivers will sign a document agreeing that they will continue to provide proof of their insurance as necessary.
Drivers will need to provide proof of insurance when asked by an officer during standard traffic stops or when they’re involved in an accident that creates over $400 in damages. In addition, random inspections are also conducted by the Bureau of Motor Vehicles to insure all drivers on the road are insured properly.
That wraps up our insurance guide for the Buckeye state.