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Our goal is to give you vital information that will aid you in choosing the right insurance coverage for your needs. There is no need to overpay on your auto insurance in the Akron OH area.

If you would like for us to give you quotes that will allow you to accurately compare prices in Akron, simply put your zip code in the box provided. We will do the rest.

What Car Insurance Does Ohio Require?

In order to drive any vehicle legally in Ohio, that vehicle must have automobile insurance coverage or the driver must have proof of financial responsibility. If a person chooses to go with the FR requirement, that person is required to have a certificate of proof of financial responsibility on a specific form that is prescribed by the Bureau of Motor Vehicles in Ohio.

Most people choose, instead, to purchase insurance for their automobiles in order to fulfill the requirement. When insurance is purchased from a company licensed to provide coverage in Ohio, the insurer issues an insurance card. That card should be kept in the specific vehicle for which the card was issued.

There are minimum coverage amounts required for Bodily Injury Liability and for Property Damage Liability insurance.

Minimum Coverage Amounts

When a person chooses to buy automobile insurance in order to fulfill the Financial Responsibility requirement, minimum amounts must be purchased.

The minimum amount of Bodily Injury Liability Coverage required is $12,500 per person who is injured in one accident, and also $25,000 as a total for all of the persons who are injured in one accident.

Minimum limits required for Property Damage Liability Coverage is $7,500 for property damage to another person's property in an accident.

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Is State Minimum Insurance Coverage Enough?

If you are involved in an automobile accident that is deemed to be your fault, you are legally responsible to pay for the damages that occur. That can be damage to a person's property (such as their car or fencing) or damage to their body (which results in medical bills and rehabilitation costs, etc.)

The purpose of having insurance coverage is to provide the financial benefit of paying those resulting costs for you.

However, if you do not have sufficient insurance coverage amounts to pay the total of those damage costs, a court could order your assets be taken in order to pay the balance due. That means that your home, vehicle, or other property could be seized.

Therefore, it is wise to evaluate whether you have enough assets to protect that it might be to your advantage to carry greater amounts of insurance on your vehicles than the minimum required by law.

Report Changes

It is extremely important that you report changes to your auto insurance company as quickly as possible. Many types of changes will affect the type and cost of your automobile coverage, so it is vitally important that you notify your agent and company of any changes.

Some of the changes that should be reported are:

* Change of address - The location where your vehicle is housed has a direct affect on your insurance.

* Addition of a driver - If your teen has reached driving age, you should not let them drive until they are added.

* Added a vehicle - Most companies have a set number of days for you to notify them if you get another vehicle.

* Child going to college - If the car is staying home, your premium might be reduced.

What Affects Your Insurance Rate?

(1) Type of Vehicle - A sports car has a higher premium than a family-type car.

(2) Your Driving Record - Traffic tickets, accidents, DWIs adversely affect cost.

(3) Geographic Area - Extreme weather raises claims, thereby premiums too.

(4) Safety Devices - Automatic seat belts, anti-lock brakes, side air bags lower costs.

(5) Deductible - Higher deductibles reduce the insurance rate.

We trust that the information you have received will aid you in selecting coverages that are right for you. To get your quotes, don't forget to put your zip code in the box above. Thank you for visiting our site.
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Auto Insurance Agents In Akron, OH:

Kim Eckert Insurance Agency
5193 Manchester Rd
Akron, OH 44319

Todd W Young Insurance Agency
1098 Kenmore Blvd
Akron, OH 44314

Coyne Insurance Agcy
1670 Brittain Rd
Akron, OH 44310

The Insurance Suite
232 N Pershing Ave
Akron, OH 44313

Walters & Hanna Insurance Agency
242 Cleveland St
Akron, OH 44306

James J Kackley Agency
2383 S Main St Suite B101
Akron, OH 44319

Ellen S Smucker Enterprises
1067 W Exchange St
Akron, OH 44302

Kent Payne
799 White Pond Dr SUIte B
Akron, OH 44320

The Barberton Group
1650 W Market St SUIte 21
Akron, OH 44313

Render Insurance Agency
567 E Turkeyfoot Lake Rd
Akron, OH 44319

American Family Insurance
1653 Merriman Rd
Akron, OH 44313

Leo J Haley Jr Ins Agcy
3515 S Arlington Rd
Akron, OH 44312

William H. Angle Insurance Agency
1125 Triplett Blvd
Akron, OH 44306

Jim Docs Insurance Agency
2483 S Main St
Akron, OH 44319

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