When you are looking for cheap Ohio auto insurance, where can you turn? Is there anything you can do to get auto insurance at cheap rates in OH? You bet there is! Knowledge of where to look and what to do is how you can get cheap Ohio auto insurance rates. Let us help you with some of the research necessary to find the cheapest Ohio car insurance and then use our free quote tool to compare rates from competing insurance companies.
Cheap Ohio Auto Insurance: Average Cost Of Insurance
If you live in Ohio and need to buy car insurance, how do you know whether the rate you are being quoted is a good one? Consider the following: according to 2004 statistics, the average rate for car insurance in Ohio was $680.14. Individual coverage averages were:
- Average cost of collision coverage: $256.26
- Average cost of liability coverage: $396.15
- Average cost for comprehensive coverage: $110.50
Cheap Ohio Auto Insurance: Evaluating Insurance Companies
When you are looking for cheap Ohio car insurance, it may be tempting to base your decision on price alone. The cost is only part of the story: you also want to consider what level of coverage you are getting for your insurance dollar. Not having enough insurance coverage is almost as bad as not having coverage at all, since you will be required to make up the difference out of your own pocket if you are responsible for causing damage to a person or to property.
The other part of the equation you need to keep in mind, is the level of customer service the insurance company offers. If you buy your car insurance from a local agent, you have someone you can contact directly if you have questions or concerns. Some insurers allow consumers to buy insurance online without meeting with an agent in an effort to keep costs down, but this means that it may be more difficult to get answers to any questions you may have.
It’s always a good idea to educate yourself about auto insurance before you commit to buying a policy, whether you are dealing with an agent or not. The Internet has some great resources where you can check out companies and look up terms and conditions that you are not familiar with.
You will also want to find out how the company you are considering deals with claims. Make sure you know the following information before you commit to buying a policy:
- Can you report a claim to the company any time of the day or night, if necessary?
- What happens after you file a claim?
- How long does it take for the claim to be resolved?
Cheap Ohio Auto Insurance: How To Keep Insurance Rates Down
Here are some suggestions to help you save money on your car insurance in Ohio:
- Carry Only the Minimum Level of Coverage Required by Law: Ohio drivers must have liability insurance (if they do not have some other sort of financial responsibility proof) and you can save money by eliminating coverage that you are not legally required to carry. Be careful before you take this step; you don’t want to leave yourself underinsured.
- Drive Your Car for Personal Use Only: If you use your car for business purposes, you will be paying more for your car insurance. Let your insurance company know that your vehicle is not being used for commercial purposes, and you can get a lower rate.
- Ask Your Insurer About a Low-Mileage Discount: In a situation where you don’t do a lot of driving, you may qualify for a discount on your car insurance. Keep track of the number of miles you drive per year so you can give your insurer an accurate number. To keep your total mileage low, consider taking public transportation instead of driving to and from work. You may also want to avoid driving your own vehicle when you are on vacation. Travel by train, bus, or plane instead of driving, or rent a vehicle instead of taking your own.
- Keep Your Driving Record Clean: By avoiding being involved in traffic accidents, being stopped for DUI (driving under the influence) or DWI (driving while intoxicated) for a number of years, you may qualify for a safe driving discount.
- Take Advantage of the Multi Lines Discount: This discount is offered by many insurance companies for purchasing both auto and homeowners insurance from the same company.
Compare Cheap Ohio Car Insurance Quotes Now!
Why don’t you get a cheap Ohio auto insurance quote today? It’s easy and convenient. All you need to do is to click on the tool at the top of this page. Get started saving money on Ohio auto insurance now!