Saturday, December 20, 2014

Ohio Car Insurance





Ohio Car Insurance: Guidelines for

Residents

Car insurance rates have changed in the past few years in Ohio.
Insurance rates have increased by 30% in 2009. Residents of Ohio pay an
average premium of $1,473, which is less than the national average of
$1,807. Minimum Bodily Injury Liability limit in the state of Ohio is
$12,500 per injured person per accident, up to $25,000, and minimum
Property Damage Liability Limit of $7,500. The Tort system is followed
here, which states that the person responsible for accident along with
his/her insurance company bears all cost of damages. The Tort system
differs from state to state.
 
More information on Ohio auto insurance policies, consumers can contact
the Ohio Department of Insurance by calling 1-800-686-1526 or by
visiting their web site athttp://www.insurance.ohio.gov.
An Uninsured Motorist bodily coverage is also available and required to
cover bodily injuries caused by an uninsured driver. However, purchasing
this coverage is not mandatory in the state of Ohio, but it is
recommended. All car owners are required to own Bodily Injury liability
coverage, Property Damage Coverage and Medical/Burial expense coverage.
 
In Ohio, you need to prove that you are capable of paying for damages to
others' property or bodily injuries caused by your car. Owning car
insurance can satisfy this condition.
The amount you pay as insurance premiums can vary depending on your age,
your driving record, your address or location, and also the insurance
company you choose. Insurance rates also differ from one city to another
within Ohio. Here are some tips to find cheap car insurance in the
state of Ohio:

Control your Credit Score:

Car insurance companies decide your insurance rate based on your credit
score. If you have a good credit history then your car insurance rate
will be less. If you have defaulted on a payment, it will not look good
on the credit history.

Shopping Online for Insurance Quotes:

It is prudent to compare the rates offered by different insurance
companies online. These quotes are easier to obtain and are free using
our form at the end of this article and in other areas of this site. You
can get up to as many as 8 quotes using our free insurance quotes
comparison tool, giving a chance to compare before you buy.

Your Location:

The distance your travel every day in your car also affects car
insurance rates. The less you travel the lower your premium will be. It
is also prudent to move to an area with a low population and which has a
low history of car theft, vandalism and car accidents.

Your Car:

It is prudent to buy an old or used car to avoid the higher insurance premiums applied to new cars or sports cars.

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