Having Ohio automobile insurance is not only good for peace of mind, it’s also the law. Ohio automobile insurance requirements are as follows:
$12,500 bodily injury liability per person
$25,000 bodily injury liability for multiple persons
$7,500 property damage coverage
If you’re searching for automobile insurance in Ohio remember that experts all agree that you should have higher coverage limits (compare and save with multiple quotes). These limits are simply the state minimums for Ohio automobile ins. If you’re increasing your auto ins coverage limits, you’ll see a price increase and that’s a concern for most automobile drivers.
Adding Personal Injury Protection (PIP) for your automobile ins is always a good idea (compare this coverage on your quotes). This is simply an additional form of automobile ins coverage that gives you immediate health care coverage in the event of an automobile accident, regardless of who is at fault. Some Ohio automobile insurance companies will refer to this as “no-fault automobile insurance coverage.”
Also make sure to compare uninsured motorist coverage on your automobile insurance quote. Some Ohio automobile insurance companies will abbreviate this coverage as U.M. This auto ins coverage will protect you against Ohio drivers who do not have liability coverage.
Some states have automated ways of proving you’re currently insured, but in Ohio you’ll need to prove automobile insurance coverage by the following:
Current auto ins policy or auto ins card
Surety bond certificate from authorized Ohio surety company
BMV bond certificate (secured by real estate having equity of at least $60,000)
BMV certificate proving at least $30,000 on deposit with the state of Ohio
BMV Certificate for being self-insured for your automobile
BMV Forms for Driving Under the Influence (2702 & 2083)
Section A crash report on file with the state of Ohio
At Insurance Align, we can give you multiple quotes from top automobile ins companies in Ohio. Generally, it’s time to get automobile ins quotes if you’re buying a new vehicle in Ohio, your current automobile ins policy is up for renewal or you simply want to compare and save on your current auto ins policy. We can help! Simply enter your zip code and we’ll display top automobile insurance companies in Ohio and you can begin your comparison quotes right away!