Columbus, Ohio (OH) Car Insurance Quotes
If you live in Ohio, you probably already know all of the requirements for Ohio auto insurance, but if you are looking to just move there, you might not know that there are guidelines that you have to follow in order to get auto insurance in Ohio. Every single state has their own auto insurance policies and guidelines and unless you live there, you might not know them. In this article, we are going to give you those requirements and talk about some of the Ohio auto insurance guidelines that you need to watch out for.
One thing about Ohio is that they actually do require you to have auto insurance in order to drive. Most states do, but there are some states out there that do not require it. So if you are driving, you certainly have to make sure that you do have auto insurance as well. Ohio state law actually requires a minimum Bodily Injury Liability limits of $12,500 per injured person up to a total of $25,000 per accident, and Property Damage Liability coverage with a minimum limit of $7,500.
These are some of the requirements that you do have to have in your policy, so when you are looking at auto insurance quotes, make sure that these requirements are in there as well. Ohio is one of the states that follow the Tort system, which means that someone actually will be found at fault for the accident if they do get into one and they and their insurance company will actually be responsible for all of the damages.
Now that you know all about the minimums and the requirements that you need, the next step is going to be reviewing your current policy, that way you know exactly what you have currently so that you will be able to keep that or change it when you are looking for a new auto insurance policy. Reviewing your current policy should be something that is easy for you, as it should all be black and white, however if you do get confused, make sure that you consult your insurance broker.
Another thing that you should be doing is making sure that the policy that you are paying for is the cheapest premium that you can get. What that means is that you may want to do some research on the quotes that are in Ohio, that way you know that the policy that you have is the best that you can get.
You may be surprised that if you switch up auto insurance companies, you could actually save quite a bit of money instead of just keeping your current policy at the rate you are paying for. Overall, you could be saving quite a great deal of money by just getting quite a few different quotes from different companies. Just look online and start getting quotes, pretty soon you will be seeing a difference in the numbers and who knows, you may find an insurance policy that is quite a bit lower than the one you currently hold.