Ohio auto insurance quotes for drivers.

Thursday, August 27th, 2009 at 3:19 am

Does the State of Ohio have any laws regarding auto insurance?

Like almost all the other states Ohio auto insurance laws requires drivers to have a fault based system of insurance. Ohio has the traditional tort liability system in which the insurance company of the at-fault driver should pay for the people who were injured in the accident.

What are the liability and minimum requirements for the insurance coverage?

The auto insurance in Ohio requires Liability for Bodily Injury and Property Damage (BI/PD). The minimum liability limits in Ohio is 12,500/25,000/7,500. This liability states that in case of accidents your car insurance agrees to pay others at least $12,500 per person for bodily injury, up to a total of $25,000 per accident for bodily injury, and $7,500 per accident for property damage.

There are optional coverage which you might procure that covers for Medical Payments, Uninsured Motorist/Underinsured Motorist, Comprehensive, Collision and UMPD, along with the additional costs for Towing and labor, assistance in the road, and other rental charges.

Are there any ways of obtaining discounts with the premiums?

The Ohio auto insurance companies will take into account your credit history or your insurance score when settling for discounts. The state of Ohio has discounts for drivers over 60 who have good driving records without any sort of penalties. The student concession may come to force when a student may get a `B` or above the `B` in grades. You can compare auto insurance rates online.

It is more beneficial to deal direct with the direct car insurance agencies. You might end up with cheaper car insurance with good facilities. Another way of reducing the coverage premium is by choosing the same dealer for al your cars with the multiple car insurances. Defensive driving is the new buzz word that has raised lately .Having a degree or diploma in defensive driving will reduce your insurance premiums greatly and help to obtain cheap auto insurance in Ohio.

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