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Auto Insurance Information
Auto Insurance in Middletown OH & Cincinnati OH
Good Drivers are Responsible Drivers.
Northern Kentucky and Southwestern Ohio are home to several major interstate systems, and metro Cincinnati is one of the largest urban areas in the Midwest. As a result, traffic safety risks in the area tend to be higher than average, and security-conscious drivers know the importance of carrying quality auto insurance benefits in case of any worst-case scenario.
Insurance Associates is a team of results-driven and service-minded insurance experts who are committed to helping every client get the benefits that are best for their protection and their budgets. It’s mandatory to have auto insurance in Ohio, and we’ll give you the satisfaction of not only getting all legally required coverage, but also increasing your benefits to offer yourself optimized protection.
To get your policy, call us at (888) 423-2488 or request your quote now!
Common Auto Insurance Questions
How Does Auto Insurance Work?
Car insurance equals financial protection and security for the policyholder. It’s designed to help you cover the costs of recovering from accidents and other unexpected vehicle hazards, so that you won’t have to bear the full brunt of these costs yourself. Therefore, you’ll have a mechanism to be able to pick up the pieces of these losses in convenient, affordable ways. Since you never know when a problem might occur, it’s better to be prepared for anything, and auto insurance will be there to help you.
How Much Auto Insurance Do I Need?
Auto insurance can be tailored expressly to fit you and your vehicle. Most plans offer numerous benefits, including:
Collision Insurance:This covers damage to your own vehicle that you sustained in a wreck.
Comprehensive Insurance:This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
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.
Uninsured/underinsured Insurance: This insures you against damage caused by someone else who doesn’t have proper liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
There are many other benefits that you might be able to add into your policy, such as:
Rental car reimbursement
Custom parts coverage
What Auto Insurance is Required?
By law, all Ohio drivers must carry proof of auto insurance in their vehicles. The minimum coverage that every policy must have is:
$25,000 Bodily Injury Liability Coverage per person
$50,000 Bodily Injury Liability Coverage per accident
$25,000 Property Damage Liability Coverage
You must present proof of insurance at all traffic stops, accident scenes and vehicle inspections. Failure to carry at least the minimum coverage will result in penalties.
Keep in mind, you can benefit from substantially expanded benefits including higher liability limits, physical damage insurance and uninsured/underinsured motorist coverage. The more coverage you have, the lower your financial strain will be following a catastrophic issue. We will help you increase your benefits to supply more expansive coverage, and we’ll do it in as affordable a way as possible.
When Do I Need to Get Auto Insurance?
Drivers must obtain Ohio auto insurance at the time that they establish residency in the state. Additionally, if you move, buy a new vehicle or have a new driver join your household, you will need to update your policy to reflect the changes.
Our team of committed agents will do everything they can to help you figure which policy benefits are best for you and figure out which insurers offer the best options to help you save on your rates.