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Auto Insurance Information
Affordable Car Insurance for South Ohio
Ohio is home to nearly 8 million drivers and more than 120,000 miles of roadways. No matter how far or how often you drive, you will face safety risks behind the wheel. One of the easiest and simplest ways to protect yourself is by carrying a quality car insurance policy.
With the help of the insurance specialists at Link Insurance Service, you can create a personalized car insurance package that will offer you optimized coverage options for all your household vehicles. We can also help you qualify for discounts and bundling options to help you make your coverage more friendly to your wallet.
To request your auto insurance policy quote, just give us a call at (937) 695-0611 or get a quote now.
What is auto insurance?
Cars are expensive, essential to your ability to live your life, and dangerous. No matter whether you are on the interstate or parked in your driveway, there are liabilities present that could lead to wrecks, vehicle damage, injuries and accident lawsuits.
All of these hazards, and many others, could lead to costly losses to all of those involved, but if you have auto insurance, you will be able to have help paying for the expenses that are your responsibility. Your policy will act as an essential financial benefit even in challenging situations so that you don’t have to worry about spending critical money that you might not have.
How does auto insurance work?
Auto insurance can offer numerous types of coverage, all of which can prove essential to your ability to recover from countless behind-the-wheel problems. Benefits that most drivers need include:
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 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, a myriad of other benefits can help you further customize your coverage, so don’t hesitate to ask us about perks like:
Rental car reimbursement
How do auto insurance deductibles work?
Your car insurance deductible is the amount of money you pay to fix your car before your auto insurance policy kicks in to cover the rest. For example, if you are in an accident that causes $4,500 worth of damage to your car and your deductible is $1,000, you will have to pay that amount and your insurance company will pay the remaining $3,500 to get your car fixed.
If you have comprehensive and collision coverage, choosing your deductible is an important part of setting up your auto insurance. While $500 and $1,000 are the most popular deductibles, your insurer may offer other options.
Is auto insurance required in Ohio?
As an at-fault state, Ohio requires drivers who cause wrecks to pay for the damage done to other people. The state’s mandatory liability insurance law ensures that you carry the coverage that will help you take proper responsibility in these cases. Your policy must include at least:
$25,000 bodily injury liability coverage per person
$50,000 bodily injury liability coverage per accident (two or more people)
However, we can help you increase your coverage and tailor your policy to your advantage by offering you higher liability coverage limits, physical damage coverage and other helpful perks. Plus, we’ll help you determine the deductibles, endorsements and other specialty benefits that will maximize your financial return following a claim on your plan.
What is considered full coverage auto insurance in Ohio?
Once you have the minimum liability insurance, you can drive legally. However, by investing in more coverage than just the mandatory liability insurance, you create a better safety cushion for the financial ramifications of vehicle accidents.
A full-coverage policy will not only pay for third-party losses, but also compensate you for your own damage and other losses. Some of the expanded benefits to consider are:
Collision Insurance: Coverage will pay for damage to your car following a wreck.
Comprehensive Insurance: When your car sustains damage from something other than a collision, such as fires, theft, vandalism, animal strikes or severe weather, this coverage pays.
Uninsured Motorist Coverage: Victims of hit-and-run accidents can use this coverage to pay for their vehicle repairs. Policies can also pay should an at-fault driver have no liability insurance.
Gap Insurance: If you total your car in a wreck, this coverage can help you pay off the difference in value between your vehicle loan and the vehicle value at the time of the loss.
Medical Payments Insurance: Coverage will pay your medical bills (and those of people riding with you) following accidents. You can also upgrade this coverage to personal injury protection (PIP), which covers both medical bills and other expenses like lost income.
There are many other benefits you might be able to add to your policy, such as roadside assistance coverage, rental car reimbursement, towing coverage, vanishing deductibles, custom parts coverage and first accident forgiveness, airbag replacement from accidental deployment and emergency lockout coverage.
As an independent agency, we can extensively research and compare multiple policies offered by top-rated carriers to find the one that is to your greatest benefit.
What will my auto policy cost?
Our promise to our customers is to help them find the policy that offers them the best value for their benefits, while still applying all qualifying discounts to help you maximize your savings potential. Though numerous factors can influence your premiums, we will compare all of the policy options offered by our network of trusted carriers to find the one that offers you the perfect fit for your budget.
It’s easy to bundle your car insurance with other plans like your homeowners or renters insurance. By doing so, you’ll unlock countless additional benefits that can make your policy easier to manage and more affordable. Just a few of these perks include:
Link Insurance Service is happy to help you discuss the best ways to combine your home & auto coverage to offer you the most protection.