Reader’s Question:

I’m one of the people who complain about high auto insurance premiums here in Ohio and I wanna make sure I do something about it. And I think I can do that if I know the things that contribute to my premiums, so what are they?

Abraham

Elyria, OH

It’s normal to hear those who complain about their car insurance premiums but it’s a good thing you wanna do something about it. You can lessen your  payments if you spend time to look at the things that contribute to your premiums. Some of them are the following:

Driving History
You are at risk in paying more for your auto insurance if you have accidents, speeding tickets and other traffic infractions. Make sure you take care while on the road and do your best to avoid negative things that can blemish your driving record.

Age
Basically, young drivers below the age of 25 pay more for their auto insurance since they are believed to be less responsible. The older you get, the less payment you have on your auto insurance premiums.

Credit History
Those who pay their bills on time are believed to be responsible so they are given lower auto insurance rates.

Location
The place you reside in has a big influence on your auto insurance premiums. If you live in a busy city, it means there are more vehicles on the road, thus having higher possibilities of accidents so the premiums will be higher. Also, urban areas have higher theft and crime rates than rural areas, another reason for having higher rates.

Gender
As statistics show, females are said to be better drivers and they pose lower risk to the insurance companies so they have lower premiums.

Vehicle
Some models, especially sports cars, have higher risk for theft so they cost more to insure. Make sure that you have safety devices in your car like antilock brake and car alarm.

Reader’s Question:

What are the ways for me to get a car cheap female insurance in Ohio?

Glydel

Cincinnati OH

There are several ways for you obtain a car cheap female insurance in Ohio. Generally, female drivers are given lower rates compared to male drivers. This is because women drive slower and when involved in accidents, the degree is often not serious.

The first thing you can do on your quest for a car cheap female insurance in Ohio is to get the list of all insurers that specialize in providing coverage to women drivers. You can search for them online. Once you have a list, visit each one and use their online calculators to get a quote. The quick quote calculator in an insurer’s site is easy to use and will only require information that are normally asked when you call a company for a quote.

Using the online calculators will allow you to gather as many quotes as possible in the shortest time. From among the quotes choose the top five insurers with the lowest quote and ask people you know how they would rate each one on the list in terms of service. Service is very important because when you make a claim, the insurer should be able to provide it fast. It’s not enough to have a car cheap female insurance in Ohio. You should also get good service on top of that.

Reader’s Question:

I just moved here in Ohio and am quite confused with car insurance laws in this state. What are the minimum requirements for motorists in this state? Is it required to get Excess Uninsured Motorist insurance?

Paul

Columbus, OH

Ohio is one of the states where minimum liability insurance is required to all motorists. This liability insurance will cover for medical care and pays for property damage to the other motorist’s car in the event that the insured is at fault in an accident. With medical care and repairs costs shooting up, it is impossible for an average person to pay from his own pocket. This is why motorists are obligated by the government to obtain minimum liability insurance to have financial responsibility over accidents they cause.

While it is not required to carry comprehensive and collision insurance, it is highly recommend in this state. Since liability insurance only pays for the other motorist’s damages, comprehensive and collision will assist you financially if medical care and repairs to your car are necessary. Likewise, Uninsured Motorist Insurance is not required but would be wise to obtain. While it has been prohibited by the Ohio federal government to drive uninsured, a lot of motorists still do. This type of coverage will be your safeguard if in the future you are hit by an uninsured driver. Excess Uninsured Motorist insurance refers to the higher limits you can obtain from your Uninsured Motorist insurance. In Ohio, you can choose to accept or reject the Excess Uninsured Motorist under your umbrella policy.

Tags: car insurance, collision insurance coverage, comprehensive insurance coverage, liability insurance

Reader’s Question:

I have an old car and it seems that it will be subjected to high car insurance premiums here in Ohio once I purchase an insurance policy for it. What can I do to make the car insurance premiums more affordable?

Ben

Cleveland, OH

You are right. Old cars are subjected to high insurance policies and premiums. There is an increased risk that an old car will have mechanical troubles, and thus car insurance companies charge high rates on it to cover up for the probable high costs of its maintenance. If you cannot afford to buy a newer car, you can still do several things so that your car will get cheap insurance policies Ohio.

First you should make sure that it is safe by installing it with security devices. Even if you have an old car, it can qualify for cheap insurance policies Ohio if it has a good brake system and automatic lock devices. Installing it with these devices ensure that there is decreased probability that your car will be stolen or will figure in collisions.

You can also qualify for cheap insurance policies Ohio if you have a good driving history. Show your driving record and make sure that it has minimal number of traffic violations, and you can increase your chances of getting affordable car insurance.

Reader’s Question:

What are the coverages offered for motor vehicle insurance in Ohio? My boyfriend will be insuring his car next month so where thinking on insurance coverages that we need to get.  What is the going rate?

Minnie

Cleveland, OH

Hello Minnie!

Here are the common coverages offered for motor vehicle insurance in Ohio:

• Bodily Injury Liability: This provides coverage on your part by paying the other party for injury or death that you’ve caused them
• Property Damage Liability: The pays for the damages you’ve caused to the other party’s vehicle or property
• Medical Payments: This offers direct protection to you. As what the name suggests, it covers you by paying for your own and your passengers’ medical bills. This is regardless whether you caused the accident or not
• Uninsured Motorists (UM): Pays for your injury claims including your household members and your passengers, if you or they get involved in an accident with a person who does not have car insurance coverage or in a hit and run accident. You, as the policyholder and also your family members are also covered even if you are just walking and are hit by an uninsured driver.
• Underinsured Motorists (UIM): This is somewhat the same with UM coverage however this time it will provide protection to you, your family members, and even your passengers if you are involved in an accident where the at-fault party has lesser car insurance limits than yours.

Those are just some of the more popular coverages offered for motor vehicle insurance in Ohio. You may want to consider checking this site for car insurance quotes in your area.