Ohio auto insurance quotes Buckeye drivers – whether they be high profile executives at Procter & Gamble, wannabe Glee cast members singing in a high school choir in Akron, or web entrepreneurs based out of Cleveland – recognize the need to cultivate and evaluate Ohio auto insurance quotes. But the process can be tricky. Use this essay as a guide to the minimum requirements for Ohio auto insurance quotes as well as a primer on tips to tailor your coverage for your needs and personal budget.
Ohio Auto Insurance Quotes Minimum Requirements for I-80, I-90, I-76, and I-71 Drivers
As of 2007, Ohio drivers paid just $628 for their auto insurance – ranking the state as one of the cheapest in the nation for this kind of coverage. (For comparison, the average U.S. driver paid $167 more). Ohioans paid $365 for liability, $241 for collision and just $99 for comprehensive – ranking Ohio auto insurance quotes as the second cheapest state for comprehensive behind Oregon.
The minimum requirements, as of February 2010, included bodily injury and property damage coverage to the tune of 12.5/25/7.5. Of course, practically every insurance expert will tell you to opt for more than just minimum coverage to protect your assets in the event of a road catastrophe. For instance, more reasonable coverage might be $100,000 bodily injury per person and $300,000 bodily injury per accident. In fact, going above the minimums might even qualify you for a Better Coverage discount, which can net you savings of 5%.
Other Ways to Save on Your Ohio Auto Insurance Quotes
Discounts abound. Seriously. Long term changes can help: e.g. boost your credit score and/or maintain a claims-free record for three to five years. Even short-term changes can make a substantial difference. For instance, if you just spent this week installing antilock brakes (5% savings), applying for a good student discount (assuming you have an A to B grade average, you can get 10% savings), opting to pay your bill via electronic funds transfer as opposed to paper billing (savings of $6 a month), and installing an auto alarm (savings of 5 to 10%), you should see serious savings that can pay off for months or years to come.
That said, remember that the process of prospecting for and evaluating Ohio auto insurance quotes should be an ongoing one. When major changes happen in your life – for instance, if you get married or if you go several years without getting a traffic ticket – it may behoove you to speak with your insurance agent to reevaluate your rates to get them down even lower.
Shopping Around for Optimal Ohio Auto Insurance Quotes
AutoInsuranceQuotes.com is a one-stop shop that can provide you a key advantage. Instead of essentially wasting your afternoon going from insurer website to insurer website filling out forms, spend 2 minutes on our site and get back multiple Ohio auto insurance quotes from name brand insurers that you know and trust. There is no catch. Our service is free. And the report lets you compare quotes in an "apples-to-apples" manner for better evaluation for Ohio auto insurance quotes.