Wondering if you're paying too much for auto insurance? We can help you find out!
Many people are throwing away their hard-earned dollars by overpaying for car insurance in Cleveland, OH. We'll help you locate the best auto insurance rates in the area
Just enter your zip code in the box above, and we'll give you quotes from multiple carriers, so you can do your own comparison. Don't waste time on the phone with numerous agents. Sit back and relax. Get the quotes directly you!
Insurance is a product that uses the method of spreading risk among individuals or groups in order to operate. Insurance companies use statistics and data in order to predict levels of risk for various individuals or groups. High risk factors result in higher premiums, while lower risk factors cause premiums to be lower.
Insurance companies take into account various characteristics to determine the premium that an individual will be charged. Factors such as where you live, your age, and your driving record all play a part in the final premium you are quoted.
It is illegal to drive any motor vehicle in Ohio without insurance or other proof of financial responsibility (FR). It is also illegal for any automobile owner to allow anyone else to drive the owner's vehicle without FR proof. To comply with the financial responsibility requirements, people must either maintain insurance or get a bond.
In Ohio the required minimum limits for Bodily Injury Liability Coverage are $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident.
The required minimum limit for Property Damage Liability Coverage is $25,000 for injury to or the destruction of the property of others in any one accident.
Make sure that the basis for your premium is accurate. Regularly review your policy. Check these areas to see if you need to update your policy, because these factors can affect your premium.
* * Replacing an older auto with a new one
* * Add or remove a vehicle from your policy
* * Add or remove a driver
* * Increase or decrease number of reported miles driven
(a) Where you live -
The road conditions in your area, as well as vehicle density, population, amount of accidents and claims, and repair rates all "figure-in" to your total premium rate.
(b) Your driving record -
By far, this affects your premium rates the most. At-fault accidents and convictions for moving violations within the 3-year period leading up to your application or renewal greatly affect your cost.
(c) Vehicle use -
The more you use your vehicle, the higher your premium will be. If you only use your vehicle rarely, you will pay less than if you drive 20 miles back and forth to work each day.
(d) Type of vehicle -
The style of vehicle, likelihood of theft, and cost of repair/replacement will all affect your premium. A sports car will definitely raise your rate more than a family car.
Unfortunately, as much as 15% of Ohio residents are not complying with the financial responsibility law. That means a large percent of uninsured drivers are on the road. Even more people, though, do not have enough insurance coverage to pay for serious injuries. Those drivers are "underinsured."
There is also a separate type of coverage to pay for physical damage to your vehicle if it is caused by an uninsured driver. It is called Uninsured Motorist Property Damage coverage (UMPD.)
You may want to seriously consider getting these types of coverage to protect yourself and your property.
To determine rates for an auto insurance policy, insurance companies separate drivers into categories known as "classifications."
Numerous characteristics are used to classify drivers. Some of these characteristics are:
(c) driving record,
(d) marital status,
(e) where the vehicle is garaged,
(f) prior insurance record, and
(g) miles driven annually.
History shows that drivers with certain characteristics are more likely to be involved in an accident. Therefore, drivers in those classifications are going to be charged higher rates for their insurance.
But, even though you can't control your age or gender, you CAN take responsibility for your driving record and the type of vehicle you drive.
Thanks for stopping by. As a consumer, prepare yourself with information about auto insurance in Cleveland OH so you can make an informed selection. Enter your zip code in the box above to obtain the quotes you need, then purchase a policy that's right for you!
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