For the cheap Ohio auto insurance you're looking for with instant quotes that let you compare various Ohio car insurance rates, use the handy zip code form above. Compare quotes for cheap Ohio car insurance and even purchase your policy online. Whether you need auto insurance in Cleveland, Cincinnati, Columbus, Dayton, Marion, Sandusky, it's Ohio car insurance you need at a price you're gonna like.
Ohio auto insurance minimum coverage requirements are 12.5/25/7.5. This is one of the lowest requirements in the United States. And it is against the law to drive in Ohio without auto insurance or proof of financial responsibility. Since it is a state law to have Ohio auto insurance, to drive, if you should cancel your auto insurance, the insurance company is required to notify Ohio BMV. Ohio has a verification policy in which they will randomly send out letters requiring the recipient to show proof of financial responsibility for each vehicle registered. You have 21 days from the date of the mailing to comply. Failure to comply can result in the suspension of your driver's license.
Ohio auto insurance rates are ranked at 38, which means there are 37 states with higher auto insurance rates, and 12 with lower rates. There has been a decrease in Ohio auto insurance rates in 2010, they are 12% lower than the rates in 2009. But the rates between 2009 and 2008 were 23% higher. Since Ohio auto insurance rates are flux this may be the time to look into doing some rate comparison with Ohio auto insurance companies.
Some people believe auto insurance companies fix their rates, but this is simply not true. A quick comparison of Ohio auto insurance rates should prove that old saw false. However, shopping for auto insurance rates is always a good idea, regardless of your driving record, you still may be able to find bargains among the various auto insurance companies.
Ohio is a tort system state, which means someone in a auto accident has to be cited as at fault; then that person and their insurance company are responsible for the damages resulting from the crash. The fine points of a tort system state will vary from state to state. So, if you have moved to Ohio from another tort system state, it would be a good idea to learn the differences between the two states. Just to protect yourself.
Industry experts predict rising auto insurance rates in 2011. Getting and comparing multiple online quotes has proven to be the most efficient way to get the lowest rates for auto insurance to date. A few minutes of time could save you hundreds of dollars in the coming months.
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