Tips for First Time Driver Insurance in Ohio
Reader’s Question:
Hello there! It’s my first time to buy car insurance, and I’m really lost. Any tips for a first time driver here in Ohio?
Kate
Columbus, OH
Hi, Kate. Here are some tips to make your first-time auto insurance purchase hassle-free.
First of all, make sure you brush up on your auto insurance lingo to make sure you understand all the terms the agents throw at you. Try to learn about the different types of auto insurance such as liability insurance, collision insurance, comprehensive insurance, etc. You will also want to know the minimum insurance requirements required in Ohio to ensure you get the right amount of coverage.
Next, decide what kind and how much coverage you think you need. This will depend on your lifestyle and your financial standing. When you’re definite about what you need, you will need to look for the auto insurance company that best fits your requirements. You may want to visit websites that offer free auto insurance quotes from different insurers which will allow you to compare their prices.
Aside from the price, you may want to do research on each company with regard to their financial standing, their ability to provide great customer service, the discounts they offer and their processes. You will also need to know what your auto insurance company’s process is for filing claims: the paperwork, the time it takes, the people you will need to talk to just in case something happens.
Ask for discounts, you never know what you might be able to get and how much you can save by asking. Some popular discounts can be given for:
1. Military personnel
2. Good grade students
3. Union membership and bank member affiliations
4. Safe drivers with no claims in last 7 years
5. Defensive driving school attendance
6. Clean credit history – used by many carriers to determine payment risk
Hope all my tips help you find the right auto insurance – happy hunting!
Difference Between Ohio Liability and Collision Insurance
Reader’s Question:
What is the difference between liability coverage and collision auto insurance coverage? I called an insurance office in Akron Ohio but the agent’s explanation didn’t make sense to me. Please explain it clearly.
June
Akron OH
How unfortunate, June! Rest assured that most auto insurance companies in Ohio are reliable and professional, and would be happy to assist you when you make queries such as this one. Having said this, let me thank you for trusting me to answer your questions.
Yes, sometimes liability and collision coverage may seem similar but they are not. Liability coverage pays for the damages resulting to a collision where you are liable. It will pay for the damages to the car you have hit and for the medical expenses of the passengers of the damaged car. Collision coverage, on the other hand, protects your car from possible damages brought about by collision. Liability coverage has three limits – bodily injury per person, bodily injury total, and property damages. It can happen that sometimes, your car was hit by a reckless driver whose liability coverage limits can not fully pay for the damages made to your car. This is the time when you will make use of your collision coverage.
Liability coverage is the minimum required when you register your car. It will always be the cheapest available auto insurance around Akron. To compare prices, simply get online quotes by entering your zip code on this page. What is critical is for you to evaluate if you will be comfortable with just the minimum auto insurance.
I hope that I have explained it well enough, June; please feel free to contact me again if you have any other questions.
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