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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.
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)
The bodily injury liability coverage will pay up to $25,000 if you cause an accident that injures one other person (who is not riding in the car with you). The limit will increase to $50,000 if the accident injures two or more people. Your property damage liability coverage will pay up to $25,000 for all third-party property damage resulting from the accident.
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.
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.