Ohio Car Insurance: Guidelines for Residents

Car insurance rates have changed in the past few years in Ohio. Insurance rates have increased by 30% in 2009. Residents of Ohio pay an average premium of $1,473, which is less than the national average of $1,807. Minimum Bodily Injury Liability limit in the state of Ohio is $12,500 per injured person per accident, up to $25,000, and minimum Property Damage Liability Limit of $7,500. The Tort system is followed here, which states that the person responsible for accident along with his/her insurance company bears all cost of damages. The Tort system differs from state to state.

More information on Ohio auto insurance policies, consumers can contact the Ohio Department of Insurance by calling 1-800-686-1526 or by visiting their web site at http://www.insurance.ohio.gov/Pages/default.aspx.

An Uninsured Motorist bodily coverage is also available and required to cover bodily injuries caused by an uninsured driver. However, purchasing this coverage is not mandatory in the state of Ohio, but it is recommended. All car owners are required to own Bodily Injury liability coverage, Property Damage Coverage and Medical/Burial expense coverage.

In Ohio, you need to prove that you are capable of paying for damages to others' property or bodily injuries caused by your car. Owning car insurance can satisfy this condition.

The amount you pay as insurance premiums can vary depending on your age, your driving record, your address or location, and also the insurance company you choose. Insurance rates also differ from one city to another within Ohio. Here are some tips to find cheap car insurance in the state of Ohio:

Control your Credit Score:

Car insurance companies decide your insurance rate based on your credit score. If you have a good credit history then your car insurance rate will be less. If you have defaulted on a payment, it will not look good on the credit history.

Shopping Online for Insurance Quotes:

It is prudent to compare the rates offered by different insurance companies online. These quotes are easier to obtain and are free using our form at the end of this article and in other areas of this site. You can get up to as many as 8 quotes using our free insurance quotes comparison tool, giving a chance to compare before you buy.

Your Location:

The distance your travel every day in your car also affects car insurance rates. The less you travel the lower your premium will be. It is also prudent to move to an area with a low population and which has a low history of car theft, vandalism and car accidents.

Your Car:

It is prudent to buy an old or used car to avoid the higher insurance premiums applied to new cars or sports cars.

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