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Home > Saving Money On Ohio Car Insurance
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Saving Money On Ohio Car Insurance by Scott Lunt
Like many states, Ohio car insurance rates have typically decreased in the past couple of years. This is good news for drivers as it's one of the many ways that can help you save money on your auto insurance. Here are some more.
Raise your deductible. There can be quite a difference in premium between a $250 and $500, or $500 and $1,000 deductible on your collision and comprehensive. A higher deductible can mean lower insurance costs.
Insure your home with the same company. If you are a homeowner and you insure both your home and auto with the same insurer, you'll usually get a discount on your premium. Also, ask about any other discounts when you get quotes.
How's your credit? Like it or not, many car insurance companies use credit to assess a risk; the lower your credit score, the greater the risk they think you are. This can reflect directly on how much you pay. If you've had credit problems, you may be paying a higher rate. Now's the time to start improving your credit score, so down the road you can qualify for lower rates.
Determine what coverages you need and what coverages you think you can live without. In Ohio, you need to have proof of financial responsibility to drive a car. That means having car insurance for most of us. You need minimum liability coverages per Ohio state law: Bodily injury, $12,500 per person and $25,000 per accident. Property damage, $7,500 per accident. You will pay for higher limits, but this is one area you may not want to skimp on. Accidents often incur higher damages than the minimums will cover, so you might be better off in the long run paying a little more for higher limits.
However, you may feel that coverages like towing and rental reimbursement are something you can live without.
Shop, shop, shop. One of the best ways to save on Ohio car insurance, especially if rates have decreased since you last bought insurance, is to shop for comparison quotes. Since rates vary from one car insurance company to the next, you could save a lot of money just be shopping around. Get several quotes -- at least three -- to get a good comparison.
About the Author
Get free comparison Ohio car insurance quotes (http://www.loweryourinsurance.com/car-insurance.html), plus more information about saving on car insurance (http://www.loweryourinsurance.com/) at LowerYourInsurance.com (http://www.loweryourinsurance.com/). The site also includes a handy worksheet to help you when shopping for car insurance. Scott Lunt is a freelance insurance writer.
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