If you are looking for cheap Ohio car insurance quotes, you do not need to look any further. This website allows you to get a hold of the cheapest insurance providers in your area, simply by entering your zip code at the top of the page. Comparing quotes from those insurers will allow you to save hundreds of dollars on your premium year after year.
Ohio Car Insurance Requirements
Ohio car insuranceThe minimum requirement for Ohio auto insurance is liability coverage for bodily injury and property damages. For bodily injury, the minimum coverage amount required by the state is $12,500 for every injured person or a total of $25,000 for the accident. For property damages the minimum coverage amount required is $7,500.
In Ohio, the tort system is followed with regards to settling claims that arises from vehicular accidents or collisions. Under this system, there is always someone at fault for causing the vehicular accident. The person responsible including his or her car insurance provider must pay for the medical and property damage costs of the accident.
Some Tips on How to Lower on Car Insurance Premium in Ohio
In Ohio, car insurance is a state requirement for every motorist and car owners. While it is compulsory, you are free to choose which car insurance provider will handle your vehicle insurance policy. One of the main criteria in choosing a car insurance company is the rate of premium they offer. A car insurance company offering cheap or reasonable rate is certainly a good choice on your part. Listed below are some ideas on how you could get car insurance policy with a reasonable premium.
The first thing you should do is go online and search for car insurance quotes. Get as many car insurance quotes as you can for price comparisons later. By doing this, you could readily pick a car insurance company who will give you the cheapest or at least the most reasonable rates possible. Doing online search is also the fastest and most convenient way of searching for car insurance quotes.
If you already have a car insurance policy, you could consider raising your present deductibles. Increasing your deductibles will normally make your car insurance company lower the premiums they charged to you. A deductible is basically your share in the payment of costs that arises from vehicular accidents. You first have to pay your share of the costs before the car insurance company will cover the rest of the costs provided that it is within the coverage amount. If the cost is less or equal to your deductible, the car insurance company will not reimburse you.
If you are not inclined to increasing your deductibles, you may personally take care of the minor repairs of your vehicle instead of filing a claim with the car insurance company. Frequent filing of claims even for minor repairs is not look favorably by the car insurance providers. Such actions on your part can likely persuade the insurance provider to increase your premium rate.
Decreasing the number of times you use your car and carpooling instead can help persuade the car insurance company to lower your premiums. Reducing the time you drive your car can also reduce your risk of meeting an accident or collision. If the miles you have driven in a year is less than the national average, you can inform your car insurance provider about it and if you are also carpooling that can get you some discounts on your premiums.
DUI or OVI Laws in the State of Ohio
DUI is also known as OVI or operating a vehicle while intoxicated in Ohio. In Ohio, a motorist driving within the state must be willing to submit to a blood alcohol concentration (BAC) level test if the police suspect he or she is driving a vehicle while under the influence of liquor. Failure to submit to the chemical test can result in penalties which includes suspension of the driving license. Refusal to submit to a field sobriety test can also result in the suspension of the driving license which can last up to a year.
Under Ohio law, a driver with a BAC level of .08 percent or greater can be charged with a DUI. For drivers of commercial vehicles the BAC limit is .04 percent. Drivers who are under 21 can be charged with a DUI even if their BAC level is only at .02 percent.Penalties for First Time DUI or OVI Offenders in the State of Ohio
The first offense will result in a jail time for a minimum period of 3 days but it can be extended up to 6 months. In certain instances, attending and finishing a driver intervention program can be ordered by the court in lieu of the jail time.
If the BAC level of the first time offender is at .17 percent or greater the minimum jail time period will be 6 days.
Fines and other related fees can range from $250 up to $1,000. The cost however, does not include costs of attending a driver intervention program or driving license reinstatement.
The driver’s license of a first time offender will be suspended for a minimum period of 6 months but can last up to 3 years.
If the first time offender will be eligible for a hardship or occupation driving permit, the installation of an ignition interlock device can be ordered by the court.
A first time offender would have to pay a driver’s license reinstatement fee of $450.
A first time conviction will have a carryover influence for a period of at least 6 years.
Penalties for Second Time DUI or OVI Offenders in the State of Ohio
A second conviction will result in jail time in which the minimum period is at least 10 days.
If the BAC level of the second time offender is at .17 percent or greater, the minimum jail time is 20 days.
The second time offender will also be subjected to electric home monitoring which can from a period of 18 days up to 6 months.
The amount of fine for the second offense can range from $350 to $1,500.
The offender’s driving license will be suspended for a minimum period of 1 year but can last up to 5 years.
The second offender will need to pay $450 as driving license reinstatement fee after the suspension period has ended.
For the second offense, the vehicle will be immobilized for a period of 90 days.
The offender will have to successfully undergo a driver intervention program.
The Average Car Insurance Costs in Ohio versus the National Average
The average car insurance premium in the state of Ohio is around $999 which way below the national average of $1,442. Even in Ohio’s major cities the average premium paid by car owners is below the average premium paid by others elsewhere.
The Top Ten Vehicles Stolen in the State of Ohio
Owners of the following vehicles listed below are expected to pay higher insurance premiums because of the increased risks of theft in the state of Ohio. Owners may need to install car alarms and other security gadgets in order to protect their vehicles and discourage thieves from stealing the vehicle. Such security devices can help convince the car insurance provider to lower the premium rate.
Dodge Caravan 2000 Model
Oldsmobile Cutlass / Supreme / Ciera 1995 Model
Honda Civic 2000 Model
Buick Century 1995 Model
Ford Taurus 1999 Model
Honda Accord 1994 Model
Chevrolet Pickup Full Size 1990 Model
Ford F150 Pickup 1995 Model
Chevrolet Cavalier 1999 Model
Ford Explorer 1997 Model
Ohio Car Insurance Requirements
Ohio car insuranceThe minimum requirement for Ohio auto insurance is liability coverage for bodily injury and property damages. For bodily injury, the minimum coverage amount required by the state is $12,500 for every injured person or a total of $25,000 for the accident. For property damages the minimum coverage amount required is $7,500.
In Ohio, the tort system is followed with regards to settling claims that arises from vehicular accidents or collisions. Under this system, there is always someone at fault for causing the vehicular accident. The person responsible including his or her car insurance provider must pay for the medical and property damage costs of the accident.
Some Tips on How to Lower on Car Insurance Premium in Ohio
In Ohio, car insurance is a state requirement for every motorist and car owners. While it is compulsory, you are free to choose which car insurance provider will handle your vehicle insurance policy. One of the main criteria in choosing a car insurance company is the rate of premium they offer. A car insurance company offering cheap or reasonable rate is certainly a good choice on your part. Listed below are some ideas on how you could get car insurance policy with a reasonable premium.
The first thing you should do is go online and search for car insurance quotes. Get as many car insurance quotes as you can for price comparisons later. By doing this, you could readily pick a car insurance company who will give you the cheapest or at least the most reasonable rates possible. Doing online search is also the fastest and most convenient way of searching for car insurance quotes.
If you already have a car insurance policy, you could consider raising your present deductibles. Increasing your deductibles will normally make your car insurance company lower the premiums they charged to you. A deductible is basically your share in the payment of costs that arises from vehicular accidents. You first have to pay your share of the costs before the car insurance company will cover the rest of the costs provided that it is within the coverage amount. If the cost is less or equal to your deductible, the car insurance company will not reimburse you.
If you are not inclined to increasing your deductibles, you may personally take care of the minor repairs of your vehicle instead of filing a claim with the car insurance company. Frequent filing of claims even for minor repairs is not look favorably by the car insurance providers. Such actions on your part can likely persuade the insurance provider to increase your premium rate.
Decreasing the number of times you use your car and carpooling instead can help persuade the car insurance company to lower your premiums. Reducing the time you drive your car can also reduce your risk of meeting an accident or collision. If the miles you have driven in a year is less than the national average, you can inform your car insurance provider about it and if you are also carpooling that can get you some discounts on your premiums.
DUI or OVI Laws in the State of Ohio
DUI is also known as OVI or operating a vehicle while intoxicated in Ohio. In Ohio, a motorist driving within the state must be willing to submit to a blood alcohol concentration (BAC) level test if the police suspect he or she is driving a vehicle while under the influence of liquor. Failure to submit to the chemical test can result in penalties which includes suspension of the driving license. Refusal to submit to a field sobriety test can also result in the suspension of the driving license which can last up to a year.
Under Ohio law, a driver with a BAC level of .08 percent or greater can be charged with a DUI. For drivers of commercial vehicles the BAC limit is .04 percent. Drivers who are under 21 can be charged with a DUI even if their BAC level is only at .02 percent.Penalties for First Time DUI or OVI Offenders in the State of Ohio
The first offense will result in a jail time for a minimum period of 3 days but it can be extended up to 6 months. In certain instances, attending and finishing a driver intervention program can be ordered by the court in lieu of the jail time.
If the BAC level of the first time offender is at .17 percent or greater the minimum jail time period will be 6 days.
Fines and other related fees can range from $250 up to $1,000. The cost however, does not include costs of attending a driver intervention program or driving license reinstatement.
The driver’s license of a first time offender will be suspended for a minimum period of 6 months but can last up to 3 years.
If the first time offender will be eligible for a hardship or occupation driving permit, the installation of an ignition interlock device can be ordered by the court.
A first time offender would have to pay a driver’s license reinstatement fee of $450.
A first time conviction will have a carryover influence for a period of at least 6 years.
Penalties for Second Time DUI or OVI Offenders in the State of Ohio
A second conviction will result in jail time in which the minimum period is at least 10 days.
If the BAC level of the second time offender is at .17 percent or greater, the minimum jail time is 20 days.
The second time offender will also be subjected to electric home monitoring which can from a period of 18 days up to 6 months.
The amount of fine for the second offense can range from $350 to $1,500.
The offender’s driving license will be suspended for a minimum period of 1 year but can last up to 5 years.
The second offender will need to pay $450 as driving license reinstatement fee after the suspension period has ended.
For the second offense, the vehicle will be immobilized for a period of 90 days.
The offender will have to successfully undergo a driver intervention program.
The Average Car Insurance Costs in Ohio versus the National Average
The average car insurance premium in the state of Ohio is around $999 which way below the national average of $1,442. Even in Ohio’s major cities the average premium paid by car owners is below the average premium paid by others elsewhere.
The Top Ten Vehicles Stolen in the State of Ohio
Owners of the following vehicles listed below are expected to pay higher insurance premiums because of the increased risks of theft in the state of Ohio. Owners may need to install car alarms and other security gadgets in order to protect their vehicles and discourage thieves from stealing the vehicle. Such security devices can help convince the car insurance provider to lower the premium rate.
Dodge Caravan 2000 Model
Oldsmobile Cutlass / Supreme / Ciera 1995 Model
Honda Civic 2000 Model
Buick Century 1995 Model
Ford Taurus 1999 Model
Honda Accord 1994 Model
Chevrolet Pickup Full Size 1990 Model
Ford F150 Pickup 1995 Model
Chevrolet Cavalier 1999 Model
Ford Explorer 1997 Model
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