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Ohio auto insurance ratesWhen setting Ohio Auto Insurance Rates, each company takes many factors into consideration. Rates are not set by the state of Ohio, however auto insurance companies must show cause for rates they are charging, because the Ohio Department of Insurance does regulate them. Some of these factors are things that policyholders can control, some are not.

If you are looking for the most affordable Ohio auto insurance rates you can get, you need to work on controlling the factors you can, both in the short term and long term. Doing so can make up to hundreds of dollars of difference in the short term and for high-risk drivers, long term changes can make thousands of dollars difference. Get knowledge on your side for the best possible, Ohio auto insurance rates.

Short Term Factors For Better Ohio Auto Insurance Rates

Many things can have an immediate impact on your auto insurance premiums. Some quick tips are:

  • Don’t use your car for work, if possible. The more miles you drive per year, the higher your premiums will be. If your vehicle is for pleasure use only, it will also be less expensive to insure.
  • Put all cars on one policy and put your home insurance with the same insurance company for a multi-line discount.
  • Take a driver’s education course if you are a young driver, older driver or have recently gotten a ticket. This should lower your premium.
  • Increase your deductibles, but carefully consider what you would realistically be content with paying should you need to make a claim.
  • Consider dropping collision and comprehensive coverage from vehicles that are older or are no longer worth much.

Long Term Factors For Better Ohio Auto Insurance Rates

More things that affect your car insurance rates are difficult to change and take time. If you are committed to improving your auto insurance rates, you can but it will probably take years.

  • Improve your driving record – It will take up to 3 years to see an improvement on your rating, but 3 years of accident-free, ticket-free driving will earn you a great reward on your rates.
  • Move to a more rural area – Rural areas have much less busy roadways, therefore reducing the chances of being involved in an accident. While moving is a dramatic step to take to reduce your insurance rates, location is something to consider if you were already looking at moving.
  • Buy a car that is less expensive – Insurance rates, for comprehensive and collision rates especially, are majorly impacted by the type of car you drive and how much it would cost to replace it, should you be involved in an accident.  Rates are higher for sports cars that for sedans and top of the line vehicles are more costly to insure than average priced ones.
  • Improve your credit rating – This is checked during the course of your quote. Statistics show that people with lower credit ratings are a higher risk for claims, therefore it is considered in setting rates. It will take time to improve your credit score, but there are many places where you can get tips on doing so.
  • Get older – Especially for males, insurance is extremely high until about age 26.
  • Get married – Rates are lower for married people than for singles.

Ohio Car Insurance Rates For High Risk Drivers

There are many reasons a person can be considered a high-risk driver. Some of the reasons include:

  • Accidents
  • Tickets
  • Age
  • Inexperience
  • Poor Credit Rating

If you happen to fall into the high-risk category, expect to encounter very high insurance rates and difficulty finding insurers who will offer you a policy. There are some companies in the state of Ohio who specialize in insuring high-risk drivers though. If you do your research you will find a few different Ohio high risk auto insurance comapanies that may offer you a policy.

Be sure to shop around well, because if you can’t find a policy, you will have to turn to the Ohio Automobile Insurance Plan. This state plan makes it possible for even high-risk drivers to get liability insurance – the minimum required for compliance with the Financial Responsibility Law in Ohio. However, you will pay very high premiums for this coverage.

Get Ohio Auto Insurance Rates Now!

Now that you have the knowledge it takes to help control your Ohio Auto Insurance Rates, use our free quote tool at the top of this page and get several comparative rate quotes from top auto insurers in your area. Get started finding Ohio auto insurance now!

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