The best way to get good auto insurance in Ohio is by carrying out some due diligence online. This gives you the chance of comparing different auto insurers and choosing the most suitable. If you are not satisfied with what is on offered online, call an agent like InsureDirect.com who will offer the relevant information. It is important though to have a grasp of the legal requirements in your state.
Ohio applies the law of tort in case of car crashes. This requires a guilty party in case of a collision. The person who caused the crash is held liable to pay all medical expenses and repair costs. This burden is obviously passed on to the provider who holds the policy of the offending party. This brings up the issue of premiums and how they are computed in Ohio. The average premium you can expect to pay is about $1400 a year. But remember to compare charges before making any commitments.
Younger drivers can expect to pay a little higher premium. This might have to do with the fact that they are viewed as probable candidates for risky driving. One quirky bit about Ohio is proof of financial responsibility. You do not have to buy auto insurance if you can prove to be financially responsible. To do this, you have to deposit $30,000 dollars and obtain a certificate from the state treasurer.
You can also provide proof of financial responsibility by obtaining a surety bond certificate from a surety company. Though the above ways are possible, the easiest way is to buy insurance liability. This is pegged at a minimum of $12,500 per accident victim and $25,000 to cover for entire accident fatalities. It is advisable to avoid going for minimum coverage. If you see it as a cheap way to get auto insurance, you get exposed to possible financial ruin. You can be forced to sell your property to meet the costs that are not covered by your provider.
Full liability coverage will take care of injuries to persons as well as damage to property. This takes care of hospital bills and pays legal bills in case of a court case. Remember to offer the correct information to your insurer to avoid having your application rejected.