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Family Health Insurance Ohio, like most other states, is much less expensive when combined with another policy, such as low-cost car insurance.
This page provides concise and useful data pertaining to auto insurance in the state of Ohio.
Read this page and learn how to minimize annual premiums on all Ohio insurance policies.
To see auto insurance rates in other states, or to learn about top U.S. colleges, or to study American culture, economy, history, and more, visit any of the links shown below.
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The Average Annual Car Insurance Premium for drivers in Ohio was $944 this year, while the overall national average was approximately $1,365.
In fact, the state of Ohio has the 2nd lowest average annual car insurance premium rate of all American states and Washington DC.
Ohio's low annual premiums may be partly due to the state's low traffic fatality rates.
The first time an Ohio driver is ticketed for driving an uninsured vehicle, the penalty is a revoked registration, a fine of $75, and a suspended license for three months.
The second violation within a five year period results in a one-year license suspension.
Three or more convictions typically leads to license suspension for two years.
Offenders can also expect costly reinstatement fees and raised annual premiums.
Roughly 12% of drivers on Ohio roads are uninsured.
According to Ohio state law, the minimum auto insurance liability coverage required for each owned vehicle is 25/50/25.
That means drivers must buy at least
In other words, the state of Ohio only requires a total of $100,000 per accident in liability coverage for each vehicle owned.
However, insurance experts recommend 100/300 in injury liability coverage for all owned vehicles in America, since state-imposed minimums are often not enough to cover the cost of an accident.
Here are some creative ways for Ohio drivers to lower their premiums on car, home, and health insurance.
1, Pay off your annual premium all at once, rather than monthly.
2. Increase your deductible amount.
3. Keep your coverage to the state-imposed minimum.
4. Drive certain types of vehicles (ask an agent for details).
5. Qualify for every possible DISCOUNT. Most insurance providers offer good driver discounts, good student discounts, senior citizen discounts, vehicle safety discounts, and many others.
6. Score a Multiple Policy discount for holding more than one insurance policy. For instance, some drivers may have car insurance, home owner's insurance, and/or family health insurance Ohio with the same insurance carrier. Multiple policy discounts can lower premiums by 25 percent or more.
According to recent customer satisfaction ratings, the car insurance carriers most popular with Ohio auto owners are
At the same time, other Ohio drivers prefer local carriers such as Erie Car Insurance.
In any case, first, go online and get a number of free quotes.
Then, call a few agents in your area and ask for more free quotes. Don't forget to inquire about the DISCOUNTS!
Finally, simply compare quotes and choose the policy with the lowest annual premium rate.
That's all there is to saving literally hundreds of dollars a year on auto, home, and family health insurance Ohio.
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