Ohio Auto Insurance
If you're a driver in Ohio, the state requires that you carry auto insurance that includes bodily injury and property damage liability coverages. These protections come in handy when you're at fault in a wreck that either injures someone or damages their vehicle or other property and keep you from paying for medical expenses or repairs out-of-pocket.
Following are the minimum coverage limits set by the state and what they mean:
- $25,000 coverage for bodily injury per person
- $50,000 coverage for total injury per accident
- $25,000 coverage for property damage
While these numbers seem large, they may not be enough depending on the scope of the injuries or property damage. Remember, the limits are the maximums your provider will pay, and you'll still be on the hook for costs above them.
Use discounts to lower Ohio auto insurance premiums
Ohio drivers can qualify for a plethora of discounts on auto insurance, such as:
- Good student discount. If you have a student on your policy that's under 25 and maintaining a 3.0 GPA or higher in school, you could save on your policy.
- Claim-free discount. If you've gone a period of years without filing a claim or getting a moving violation, you could qualify for this price deduction.
- Multi-policy discount. Do you need home and auto insurance? Covering both with policies from the same carrier can earn you savings.
- Multi-car discount. Do you have more than one car in the garage? Insuring multiple vehicles with the same provider can lower your premium.
- Homeowners discount. If you own your home, you could qualify for a price break on car insurance.
- Safety features discount. Does your vehicle have anti-lock brakes, an anti-theft device, seat belts and/or airbags? If so, you're less of a risk to insurance companies and can be eligible for lower premiums.
What can you do with this information? Check with HomeInsurance.com to see if you can get a better deal on your coverage!