Ohio Auto Insurance Quote
Reader’s Question:
What perils should I anticipate when dealing and making transactions with car insurance brokers? Can you guys set me up with multiple Ohio auto insurance quotes so I can compare the competition?
Oscar
Cincinnati, Ohio
Car insurance brokers in Ohio act as middlemen between you and 
the insurance companies. They basically negotiate for car insurance policies on your behalf to get the best deals or secure more desirable terms on an existing policy. They have the knowledge and the experience in the car insurance industry to enable them to find the best policy that will suit your needs.
However, you still have to give considerable thought on the advices that your car insurance brokers gives you. You should not follow it blindly because some insurance brokers are capable of doing bad practices either out of lack of knowledge, self-interest or outright malice.
One of these perils is when they make suggestions for unnecessary and expensive car insurance options. They may try you to purchase more car insurance and its additional options, or they may attempt to make you buy the insurance policy with expensive premiums. This can be due to the fact that some insurance brokers earn on a commission basis and thus have the compelling need to force you to buy more or expensive insurance.
Another danger to anticipate is when car insurance brokers, to their advantage, are withholding information about the details of your insurance policy, preventing you from making a sound judgment. For example, they will not inform you of the hidden charges that the policy has. Another example is when they won’t inform you that the cheap premiums are only applicable in the first few months and will increase thereafter. Others will lie intentionally, while some will just try to mention it in passing but will not emphasize the real implications.
Probably the worst-case scenario is when the broker and the insurance company are performing a scam. This is totally risky because when you try to make a claim against your insurance policy, you’ll discover that the company and the broker are nowhere to be found.
To make sure you are in good hands, ask your car insurance broker to show his license and confirm it through your state’s commissioner office for insurance. Also, know your broker’s credentials. It is better safe than sorry.
Ohio Auto Insurance Companies
Reader’s Question:
I am wondering , can a car insurance carrier in Ohio ask about any medical conditions you have such as heart problems, epilepsy or diabetes? Can they ask that? Is that legal? Do you have a recommendation on Ohio auto insurance companies?
Karl
Cincinnati, OH
Normally a car insurance company is permitted to ask questions about risk factors that could affect the insurance policy they would be offering an individual. There are certain medical medications and conditions that can impair your driving abilities and therefore be a risk factor to an insurance company.
To obtain a driver’s license in Ohio from the Bureau of Motor Vehicles (BMV) you must answer questions regarding your physical health and any medical conditions that you might have. If you have a condition that might affect your driving, the examiner will tell you the steps that you have to take and give you with a medical packet (form BMV 2058) which must be filled out by your doctor.
Ohio Auto Insurance Law
Reader’s Question:
I received a speeding ticket going over 17 mph? Is it going to be reported back to my home state in Michigan? What is the actual Ohio auto insurance law?
John
Thank you for asking John.
Ohio is part of the Drivers License Compact. On the other hand, Michigan is not part of this multiple state agreement that requires member states to exchange information of a person moving violations they receive out of state.
Even though Michigan is not part of this DLC to share traffic violation information between state courts and DMVs, they still have their own agreements to forward this information to other states and also get informed if a licensed motorist in Michigan is cited of a ticket out of state.
According to the Michigan Department of the State, if an out of state infraction corresponds to a offense listed in Michigan law, then the moving infraction will be recorded to your driving history and assigns points as required by the MI Vehicle Code.
It seems that not only will the speeding ticket that you received in Ohio will be placed on your Michigan driver’s license but also be assigned Michigan DMV points. For 16 mph or more over the posted speed limit MI assesses 4 points.
Goodluck!
MariCAR
Ohio Auto Insurance Requirements
Reader’s Question:
I moved to Ohio for a job. I’m wondering if there would be changes to my auto insurance now that I am here. (I’m from South Carolina). Care to enlighten me?
Godfrey
Akron, OH
Hello there, Godfrey. Of course, there will be differences in how auto insurance is done in South Carolina and Ohio. Let us start with where you hail from to get a better perspective on things.
South Carolina is one of the states where liability auto insurance is not considered as a requirement. As a refresher, liability auto insurance covers damages sustained in a motor vehicle accident caused by the driver of the policy holder. This may include the bystanders, passengers and drivers of other cars involved in the accident. There is also coverage for property damage (usually the other car). Now, if you read up about this liability insurance on the internet, you would usually see numbers like 15/30/10. These just represent the limits that the auto insurance will cover. That set of number is read as $15,000 per head per accident with a limit of $30,000 for injured people involved. The 10 is $10,000 maximum property damage that the auto insurance company will shoulder. In South Carolina, underinsured/ uninsured motorist auto insurance coverage is a requirement. This type of coverage simply protects the policy holder from damage sustained from other motorists who don’t carry auto insurance.
Now, since you moved to Akron, Ohio, auto insurance will definitely change. In Ohio, the state will require you to carry 12.5/25/7.5 liability insurance on you. But the opposite is true for underinsured/ uninsured motorist auto insurance coverage.
Now, depending on how much your paycheck will allow, it is usually recommended that you get higher limits. Better be prepared than to get caught in a tricky situation like sustaining more damage than what your auto insurance company will shoulder.
Ohio auto insurance
Reader’s Question:
Can I change my car insurance in Ohio while my car is registered in the state of Texas?
Kris
Thank you for asking Kris.
If you have changed your residency in Ohio you will need to get not only Ohio car insurance but also Ohio license plates and registration.
According to the Ohio Bureau of Motor Vehicles (BMV) if you are new to Ohio, you will need to obtain a new driver license, license plates, and an title for your car in Ohio.
You can also visit your local BMV and get a pamphlet designed for new residents to OH. The website of BMV shows the steps to take in order to acquire the new driver’s license, license plate for your vehicle and Ohio title for your car. This explains the steps for getting these items.
According to Ohio laws, if you want to move to Ohio and become a resident there, you need to become a licensed Ohio driver as soon as possible. You are considered an Ohio resident once you take a job, sign a lease, buy a home, register to vote, or enroll children in school.
You may be able to get auto insurance with your Texas plates if your are in the process of changing over your license.
Goodluck!
MariCAR
Ohio Auto Insurance Coverage
Reader’s Question:
A car insurance agent here in Ohio is offering me a car insurance policy. What coverages are usually included in a policy?
Heather
Columbus, OH
A car insurance policy basically includes a bodily injury coverage, a property damage liability coverage, a collision coverage and a comprehensive coverage.
These coverages can be very useful should an accident happen to you. If you are the one responsible for the accident that resulted to a person getting injured, the bodily injury coverage will pay for the expenses of the injured person. And if damage to property should also occur, the property damage liability coverage will be the one to shoulder the expenses, usually for the repair of broken fences, or damaged lawns or damage to another car. The bodily injury and property damage liability is also very reliable in the event that the injured person sues you.
Sometimes, accidents can take a tragic turn and become much worse. Should your car collide with another car or other objects, it’s very important that you have collision coverage in your policy. A collision coverage will shoulder the damages and will even replace your car. There are also companies there in Ohio that offers collision coverage that is also applicable to rental vehicles. But be sure to consult first with your insurer to be certain about what is included in your policy.
Meanwhile, the comprehensive coverage of your policy safeguards your car should it becomes damaged by certain phenomena like hail, windstorm, flood or fire. If your car gets stolen, the comprehensive coverage may also pay for the replacement of the car.
These are some of the coverages that are included in a basic car insurance policy. But be sure to look around for more information regarding this matter. Call your local insurer or shop on the internet for reliable companies and Ohio auto insurance coverage.
Getting Cheap Ohio Auto Insurance Rates
Reader’s Question:
I know that I am required to have auto insurance coverage here in Ohio because I now have my own car. But what do I need to know? I don’t know much about this. What are the current Ohio auto insurance rates?
Nina
Cleveland, OH
Nina, the scope of your question is just too wide. I won’t be able to answer that properly. What I’ll tell you is the auto insurance coverage that I have. To really know more about auto insurance coverage, I suggest you do online research or contact an insurance agent there in Ohio.
I have liability insurance. This also required by all states, so you will definitely need this. This coverage takes care of things when you get in an accident and you hurt other people or damage other properties. For example, if you hit a car and you’re the one at fault, liability insurance will pay for the repair of the other driver’s car. Now, if the accident was the other guy’s fault, his liability insurance will cover the damages on your car. If you get sued because of this, liability insurance will also cover the expenses.
Now, what about the damage to your own car, you ask. That will be taken care of the collision coverage part of you auto insurance policy. This is the one that will pay for the repair of your car.
And if something happens to your car while it is parked, somebody defaces it, it gets stolen, etc, you will need comprehensive coverage to take care of that. Comprehensive coverage takes care of damages to your car not caused by collision accidents.