Best Car Insurance Rates In Ohio – Compare Cheapest Online OH Quotes

Get cheap auto insurance rates in Ohio, compare prices and save money. Welcome to the Buckeye State’s top-ranked trusted website for providing free online quotes for consumers. We’re local ( located between Dayton and Cincinnati) and have provided expert advice for more than 37 years. We help drivers that are not currently covered, and any person that already has an active policy. High-risk, preferred, commercial, and small-business coverage is offered. Customized budget coverage is offered to keep premiums low.

Our website helps you find the cheapest policies from the top companies, because we live and work here in the state and track rate changes every day. We also help you learn which liability limits are best for your vehicles (state minimum or personal umbrella), and how to maximize your savings by utilizing up to 12 carrier discounts. Choosing the right collision and comprehensive deductibles can save you hundreds of dollars, whether you lease or finance you vehicle. Additional options (Gap and telematics devices), and bundling property and casualty products,  can further reduce premiums. Penalties for driving without compliant coverage are also discussed throughout this website. Regardless if you live in Columbus, Cleveland, Toledo, or any other city, financial responsibility laws must be satisfied.

 

Get Your Free Quotes Now

By providing basic information at the top of the page, we research premiums in your area, and make it easy for you to view multiple rate and plan options. But since we’re not captive (that means only affiliated with one company), you’ll be provided prices from many carriers that may include State Farm, Allstate, Progressive, Liberty Mutual, Geico,  Esurance, USAA, Nationwide, MetLife, Farmers, Erie, Cincinnati and other respected companies. OH minimum  liability requirements are always met, and  cost-effective collision and comprehensive deductibles are shown.

We make the quoting process easy, by keeping the number of questions low, and only requesting basic information. Your discounts are automatically calculated, and both high risk and preferred drivers can view the best prices. Savings can vary, depending on the number of vehicles and drivers you have in your household. Typical rate reductions are between $200 and  $1,400 per year. Of course, fewer and/or older vehicles will always result in lower premiums. Several defensive-driving course discounts are available, along with a list of new and used vehicles that are the least expensive to cover.

 

Companies

When a new company enters the state, we’ll tell you all about how they operate, what you can expect from them if you have a claim, and the ares that they offer the best deals. For example, Elephant Insurance (that’s really their name), is starting to expand here in the US and the Midwest.  Based in Britain, we’ll keep you updated if they start making plans available in the Buckeye state. Also, when companies terminate their operations here (or even scale back), we’ll keep you informed. Both traditional companies (State Farm, Allstate, Farmers…) and online carriers (Esurance) are available. Smaller companies (Erie) will often feature very competitive prices for specific counties. Other carriers provide the lowest rates in specific areas. Several examples are Motorists Mutual, Grange, Westfield, American Family, Central Mutual, and Celina.

We prefer not to consider small regional carriers that are based out-of-state and do very little business here. Often, they stop writing and approving business and exit the marketplace. That can leave you in an unenviable position where you’re forced to make a change for the wrong reasons. If you are concerned about a specific carrier, or would like us to provide the latest research data, we can provide that information upon request. All companies that write policies in the Buckeye State must be registered and approved with the Department of Insurance. Any proposed rate increases must also be submitted, justified, and approved before implemented.

Get Low Cost Ohio Auto Insurance Quotes We Save You Money On Your Car Insurance Rates In Ohio

 

How Much Will You Save?

The amount of money you save will depend on many factors. Of course, the driving record of  anyone listed on the policy will be one of the big variables. If there are no moving violations or chargeable accidents, you’re in a great position to  lower your rates. If there are multiple tickets and a few (or more) at-fault accidents, you still may be able to save money. It’s not unusual for customers to save between 20% and 60%, compared to their current costs.

Sometimes, the biggest savings in prices is available to drivers with multiple tickets and/or accidents. Prices rapidly reduce, as the violations become older. Typically, there are price breaks when you reach 6,12 and 24 months without any marks on your record. If there are several incidences, the decrease in rates can be quite substantial. If you have an SR-22 Bond, DUI or any other major violation within the last few years, we specialize in finding the least expensive non-standard (high-risk) prices. As your MVR improves, premiums reduce.

Many insurers offer very competitive rates for not-so-perfect driving records, since the impact of speeding tickets (and other violations) is treated differently by each company. We’ll research these plans so you have more than one choice when comparing policies. We’ll also help you find easy billing plans that don’t require you to pay so much money upfront. Often, you may be able to pay a single monthly premium to activate coverage.

And if you need to be covered TODAY, we’ll work with you until you’re back on the road. If an SR-22 bond is required for you to get back your license, we’ll help you with the paperwork, obtain the bond, and show you how to quickly show proof of compliance. Often, the process can be handled online.

 

Ohio Minimum Liability Requirements

Ohio, like all other states, requires financial responsibility if you want to drive a vehicle. When you purchase auto insurance, you must meet the state minimum liability limits which include $25,000 bodily injury per person, $50,000 per occurrence and a separate $25,000 of property damage. If your policy provides the state minimum limits, periodically, you should consider increasing the coverage.

Legislation (House Bill 278) raised these limits from $12,500/ $25,000/ $7,500. Until the increase, Ohio had some of the lowest required limits in the US. Without meeting these requirements, the only other way to legally drive in the state is to take out a $30,000 bond or show proof of financial responsibility approved by the BMV.

 

Discounts

Most Ohio car insurance companies also offer many discounts to their customers. And many of them are relatively unknown. When using our website for your free quotes, part of our job is to find the discounts that will save you the most money. For example, most people are familiar with multi-car, multi-policy and good student discounts. However, completing drivers education and defensive driving courses can also save money.

There are also additional premium reductions (not all carriers) for having very good credit, parking your vehicle in an enclosed garage at night and working for the same employer for an extended period of time. In the upcoming years, you will start to see select companies offer “Pay As You Drive” options, which reward you if you rarely drive. There would be a specific cost-per-mile instead of a flat rate.

Cheap Options For Student Car Insurance Rates Ohio Don’t Forget The “Good Student” And “Student Away” Discounts

A relatively unknown reduction is the “student away” discount which can drastically reduce your premium. To qualify, your son or daughter is  required to attend college more than 100 miles away from home. Certain carriers may have different mileage requirements. Assuming they don’t have access to one of the insured vehicles at school, the savings could be very large. If they stay at school most of the year (including summers), a larger reduction may be credited.

Many carriers will reduce your deductible if you maintain a good driving record. A $500 deductible could turn into a $250 deductible and this would apply to each vehicle you own. Also, when you buy or purchase a new car or truck, in the early years, you may owe more than the vehicle is worth. With gap or new car replacement options (not all companies offer this), you’ll be able to replace your vehicle without owing thousands of dollars to the bank or leasing company.

 

Prices In Major Buckeye Cities

Although we monitor pricing in all cities (big and small), we write specific articles regarding recent trends in some of the larger metropolitan areas. For example, here, you can find the most recent information about options in the Cincinnati area. We also pay special attention to the Columbus, Dayton and Cleveland markets and their surrounding areas.

Big urban areas often see sharp differences in rates from one county or zip code that may only be a few miles (or less) from another. We provide free information regarding the ares that are the most pocketbook-friendly in the state.

 

Random Proof Of Car Insurance Letters

Each year, about 250,000 Buckeye State drivers receive a written request, sent via mail, to provide proof of coverage or financial responsibility. The Bureau of Motor Vehicles (BMV) randomly determines who receives the notifications. Residents that have received the request within the last 18 months, are not contacted. The years of vehicles most often selected are 2007, 2008, 2005, 2004, and 2006. Passenger and non-commercial vehicles can be sent letters, but not emergency vehicles, historical cars or vehicles used by volunteer firefighters. Once contacted, consumers have 21 days to send a copy of a current declarations page, ID card, or written letter from current insurer verifying compliance.

 

Personal

On a more personal note, I have been a broker here in Ohio for more than 37 years. Of course, it doesn’t seem that long as the time has gone by fast. I know the state car insurance market better than anyone. Through a combination of knowledge, experience, intuition and decades-old contacts, I’m committed to finding customers the lowest rates.

Like you, I want quality coverage, great loyal service, and of course, the absolute lowest prices each year. That’s exactly what our website can do for you. Read our articles, utilize our free quotes and keep updated on the latest information. Unlike most other resources, we research, write and edit all of our content.

And finally…although it’s too simple, eliminating all driving on days when there’s extreme adverse weather (snow, rain or hail and possibly high winds) will save you money. How? Because your risk of being involved in an accident will substantially reduce. Although it sometimes isn’t practical, there will be days where you can avoid being on the road. Or, by simply delaying leaving the house for a few hours, road conditions could vastly improve.

The best car insurance rates in Ohio are available and our free quotes will help you find the best prices. But we’re more than one of the top-ranked authorities in the business. We live here in the state, just like you. So there’s no better authority that can show you how to save money by shopping the right way and to easily compare the most competitive offers.

Google+

{ 0 comments… add one now }

Leave a Comment