Clintonville Car Insurance

(When you need an agent you can trust)

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.


Clintonville, OH, is known for a lot. It is home to Ohio State University and a  massive park system. Clintonville also once held the biggest amusement park in the US. Everything seems to be larger than life in this town.

When you own a car in Clintonville, you'll need protection. An independent insurance agent has the right policy for your vehicle. Get matched with a local expert in minutes today.

Auto Insurance Options in Clintonville, OH

In addition to liability insurance, you can add several coverage options to your auto policy. Your auto insurance policy will not automatically include the below coverages, so speak with your agent about them. Let's take a look at the various coverage options in Clintonville:

  • Gap coverage: This will pay for the difference between your auto loan and your car's market value.
  • Tow coverage: This will pay for a tow of a covered auto. 
  • Rental car coverage: This will provide reimbursement for a rental vehicle when your covered auto is damaged. 
  • Comprehensive coverage: This will pay for property damage to your car that is hit by an unavoidable object.
  • Collision coverage: This pays for property damage to your vehicle in the event of a crash.
  • Medical payments coverage: This will pay for smaller medical expenses, so your liability limits aren't used. 

Your car insurance is important, and your coverage should be sufficient. If you want more than just liability, then you'll need to endorse it on your policy. Connect with your Clintonville independent agent to assess your auto insurance.

Do You Need Uninsured Motorist Insurance in Clintonville, OH?

Uninsured/underinsured motorist or UM/UIM insurance will help pay for a loss when the other driver is at fault and without insurance. There are uninsured drivers no matter where you live. To have adequate protection for you and your loved ones, coverage is necessary.

The percentage of uninsured drivers:

  • National average: 13%
  • Ohio average: 12.4%

Ohio is almost in line with the national average on uninsured drivers. That means Clintonville will share a percentage. Whether you're driving an SUV or an ATV, you'll want UM/UIM insurance. Speak with your local independent agent to get the coverage you need today.

Car Insurance Requirements in Clintonville, OH

Every city in every state will have a requirement in order to drive. Your insurance limits are usually minimal but are mandated. Let's take a look at what Clintonville, OH, requires for coverage:

  • A minimum liability of $25,000 per person/$50,000 per accident/ $25,000 property damage.  

The average vehicle sales price in the US is over $36,000. If you have the state minimum limit, you won't have enough coverage. Your liability limits should be increased if you want to have enough insurance for a decent sized claim.

Umbrella insurance is another option when it comes to your liability coverage. This policy will give an additional $1,000,000 in liability insurance when you have a more substantial loss. Discuss which liability options are right for you with an independent agent.


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Theft Rates and Your Clintonville, OH, Auto Insurance

Your belongings may have coverage when your car gets broken into if you have comprehensive insurance. When you are a victim of a break-in, you'll want to be sure your policy will respond. Let's take a peek at the theft rates across the board:

  • National average: 228.9
  • Ohio average: 170.3

If you want to offset what the local crime rate will do to your insurance premiums, ask your agent about bundling. When you bundle your auto and home insurance with the same carrier, you can qualify for a discount. The average multi-policy discount is 30% or more. Connect with your Clintonville independent agent to discuss further. 

The Cost of Car Insurance in Clintonville, OH

To keep your car insurance pricing low, you'll want to control the areas that you can. Carriers use a variety of rating factors when determining your costs. The criteria the companies use to determine premiums are:

  • Crime rates 
  • Severe weather and natural disasters
  • Your claims history
  • Your credit score
  • Policy discounts that may apply 
  • The coverages you choose 
  • Your motor vehicle records (MVR)

If you are a safe driver with good credit, your rates will be lower. So whether you drive an $80,000 sports car or a truck hauling a trailer, your rates have more to do with you. Discuss your policy's coverage with your local independent agent.

Does Your Auto Policy Cover Uber Driving in Clintonville, OH?

If you're a college student trying to make ends meet or looking for a full-time job, ridesharing may seem appealing. Companies like Uber or Lyft will have you use your vehicle to transport people to places for a fee. What you may not know is your personal auto policy excludes coverage. Here are some questions to ask your independent agent on rideshare services:

  • Does my current auto policy provide coverage when transporting people?
  • Which carriers would provide coverage during rideshare services and when I'm off duty?
  • Do I need a separate business auto policy?

Your Clintonville independent agent will likely recommend a commercial auto policy. To have adequate protection for you and your passengers, business insurance is necessary. Speak with your agent more on commercial coverage.

Find a Clintonville, OH, Independent Insurance Agent

When you want the best car insurance without breaking the bank, an independent insurance agent can help. They work with local carriers, giving you options on coverage and price. 

If you're not sure how to begin, go to to find an agent near you. A Clintonville expert is only a click away, so get started on your policy now.

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