Ohio Car Insurance Quotes

Ohio insurance premiums are decided based on many different factors.  They can include the sex, age and marital status of the driver, male drivers will likely pay more than female drivers and teen drivers will pay more than older drivers.  The driving record will be the most influential factor when it comes to your insurance rates, safe drivers without accidents or tickets will pay significantly less.  How your use your vehicle will also affect your insurance rate, vehicles use for work or commercially will have higher premiums.  Another factor that many don’t think of is their credit history, insurance companies will look at this report to determine premiums.
Some Ohio auto insurance agencies will offer discounts if you take safe driving courses, install anti-theft devices in your car, have multiple cars insured or multiple policies with them.  Another option is to have higher deductible amounts as this will lower your Ohio auto insurance premiums.
In Ohio, the Financial Responsibility Law requires all drivers must purchase the minimum amount of bodily injury liability coverage and property damage liability.  The minimum amounts of coverage required in the state of Ohio is $12,500 per person and $25,000 per accident in bodily injury liability and $7,500 in property damage liability.  These minimum amounts may not be enough to cover serious injuries or repairs so you may want to consider buying more coverage.   As well, if you’re financing a vehicle, it may be required by the dealership that you carry more insurance than is required by law.  Instead of insurance, you do have the option of purchasing a surety bond of $30,000 from an insurance company to cover and any financial responsibilities that may come up.