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Family Health Insurance Ohio, like most other states, is much less expensive when combined with another policy, such as low-cost car insurance.
This page provides concise and useful info pertaining to auto insurance in the state of Ohio. Read on for ways to minimize annual premiums on all Ohio insurance policies.
Minimum Liability Coverage
According to Ohio state law the minimum auto insurance liability coverage required for each owned vehicle is 12.5/25/7.5.
That means drivers must buy at least $12,500 in Personal Injury Protection (PIP), $25,000 against death or injury to others, and $7,500 to cover the cost of property damage.
So, the state of Ohio only requires a total of $45,000 in liability coverage for each vehicle owned. Insurance experts recommend 100/300 liability for all owned vehicles in America, since state-imposed minimums are often not enough to cover the cost of an accident.
Penalties for Driving Uninsured
The first time an Ohio driver is ticketed for driving an uninsured vehicle, the penalty is a revoked registration, a fine of $75, and a suspended license for three months.
The second violation within a five year period results in a one-year license suspension.
Three or more convictions typically leads to license suspension for two years. Offenders can also expect costly reinstatement fees and raised annual premiums.
Average Auto Insurance Rates
The Average Annual Car Insurance Premium for drivers in Ohio was
$1,106 last year, while the overall national average
was $1,510. Ohio currently has the 4th lowest average annual car insurance premiums of all U.S. states and Washington DC.
Analysts at Top50States.com suspect that Ohio's low annual premiums are partly due to the state's low minimum coverage requirements and low traffic fatality rates.
Despite the low cost of Ohio car insurance, roughly 16 percent of vehicles on Ohio roads are uninsured.
Low Cost Car Insurance & Family Health Insurance Ohio
Here are some creative ways for Ohio drivers to lower their premiums on car, home and health insurance.
1, Pay off your annual premium all at once, rather than monthly.
2. Increase your deductible.
3. Keep your coverage to the state-imposed minimum.
4. Driver certain types of vehicles (ask an agent for details).
5. Qualify for every possible discount. Most insurance providers offer good driver discounts, good student discounts, senior citizen discounts, vehicle safety discounts and many others.
6. Score a Multiple Policy discount for holding more than one insurance policy. For instance, some drivers may have car insurance, home owner's insurance, and/or family health insurance Ohio with the same insurance carrier. Multiple policy discounts can lower premiums by 25 percent or more.
According to recent customer satisfaction ratings, the car insurance carriers most popular with Ohio auto owners are Amica, State Farm, Geico, Progressive, Allstate, and Esurance.
At the same time, other Ohio drivers prefer local carriers like Erie Car Insurance.
First, go online and get several free quotes.
Then, call a few agents in your area and ask for more free quotes. Remember to inquire about discounts.
Finally, compare quotes, choose the policy with the lowest annual premium rate, and save hundreds of dollars a year on Ohio health, home, and car insurance.
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