Auto Insurance in Port Clinton, Ohio
Did you know there have been about 4,366 car accidents in Ottawa County in the past five years? That’s a lot of reasons to make sure you and your vehicle are adequately insured.
Auto insurance is one of the most common types of insurance, but most people have questions about how much coverage they need and how it all works. Here are the answers to a few of the most common questions about auto insurance in Port Clinton, Ohio.
Common Port Clinton Auto Insurance Questions
What Is Auto Insurance?
Auto insurance is a paid agreement between the insured and the insurer. In the event of an accident, the insurer will step in and help cover some, if not all, costs resulting from a damaged vehicle or another hazard (depending on the type of coverage you have). All in all, auto insurance is a safety net that provides drivers peace of mind knowing they will receive financial assistance if an accident occurs.
How Does Auto Insurance Work?
If an accident occurs, you will file a claim against your policy for aspects of the accident you are responsible for. Your insurance will then give you financial assistance in covering some of the costs. It’s important to understand that having quality coverage will limit your out-of-pocket costs rather than digging yourself into significant debt just because an accident occurred.
How Much Auto Insurance Coverage Should I Have?
The average auto insurance policy offers a wide range of coverage, including:
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Liability insurance: When an accident is deemed your fault, this coverage helps you pay for the damage you do to others (such as other drivers) who weren’t in the car with you.
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Bodily injury liability coverage: This plan pays for third-party medical bills and sometimes for death benefits.
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Property damage liability coverage: This pays for damage to the other party’s property.
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Collision insurance: This covers damage to your own vehicle that you sustained in a wreck.
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Comprehensive insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
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Medical payments coverage/Personal injury protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
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Uninsured/underinsured motorist insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Plus, to further customize your benefits, you can add countless perks into qualifying policies, including:
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Roadside assistance
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Rental car reimbursement
What Auto Insurance Is Required by Law?
Required insurance varies state by state, but in Ohio, it is a law that you must have insurance to drive any motor vehicle. A vehicle owner cannot allow anyone else to drive their motor vehicle without insurance. Drivers must have proof of insurance they can show at traffic stops, accident scenes and vehicle inspections.
The minimum required for insurance coverage is:
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$25,000 for injury/death of one person
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$50,000 for injury/death of two or more people
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$25,000 for property damage in an accident
Depending on if you have financed your vehicle, you also may be required to purchase other types of insurance such as collision, comprehensive and gap coverage.
Having more than just the bare minimum auto insurance coverage is essential. Our knowledgeable, experienced agents will help you determine the best policy.
How Much Does Auto Insurance Cost?
Numerous factors can influence the cost of your auto policy, including:
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The value of your vehicle
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Your driving accident history
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Your history of claims on other auto policies
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Where you live
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How far you drive each year
There is a possibility that drivers might pay different prices for the same type of coverage, but we will make sure to use our resources and find you the best policy for the most reasonable price. Do not sell yourself short when it comes to getting a tailored auto insurance benefit.
Where Do I Get Auto Insurance in Ohio?
If you’re looking for auto insurance in and around the Port Clinton area, call Slyman Insurance Group at 614-475-3583. We have a team of experienced agents who will work with you to ensure you have the right coverage for your specific situation.
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