Cuyahoga Falls Car Insurance

Your Complete Guide to Cuyahoga Falls, OH, Car Insurance

(When you're ready for an expert who cares)

Cuyahoga Falls, OH, is a place of recreation and the great outdoors. Located close to the Cuyahoga River, this town is famous for industry dating back to the 1800s.

When you live in this historic city, you'll need car insurance to get around. An independent insurance agent can find the coverage you need. Connect with a local expert to get a policy that fits.

Cuyahoga Falls, OH, Car Insurance Mandates

Every state has minimum requirements when it comes to driving. When you live in Cuyahoga Falls, you'll experience the same mandate. If you're unsure where to begin, take a look at what kind of liability limits you'll need.

Cuyahoga Falls, OH, auto insurance requirements:

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

No matter if you're driving an SUV or a snowmobile, coverage is mandated to operate a motorized vehicle. Your agent may recommend higher limits to protect you better from a decent-sized claim. Speak with your Cuyahoga Falls independent agent on your car policy.

Is Uber Driving Covered under Your Cuyahoga Falls Policy?

If you're thinking of offering rideshare services to make some extra cash, there are things you need to know, such as that your personal auto policy excludes coverage if you transport people or items. Check out things to ask your independent agent if you're an Uber driver:

  • Does my current auto policy provide coverage when I am transporting people or parcels?
  • Do I need a separate business auto policy?

Your independent agent will usually suggest that you obtain a commercial auto policy. If you want adequate coverage for rideshare services, your personal car insurance won't do. Connect with your local agent to discuss your livery-for-hire business. 

Additional Car Coverage in Cuyahoga Falls, OH

In addition to liability insurance, you may want coverage for your belongings and vehicle. These options are not automatically included in your car policy. Take a look at additional coverage choices:

  • Tow coverage: This pays for a tow of a covered auto.
  • Medical payments coverage: This pays for your medical payments if you are in an at-fault accident.
  • Rental car coverage: This pays for a rental car when a covered auto sustains a loss. 
  • Gap coverage: This pays for the difference in the value of your vehicle and the amount left on your loan should a total loss occur. 
  • Comprehensive coverage: This pays for property damage resulting from a collision with an unavoidable object.
  • Collision coverage: This pays for property damage resulting from a collision between you and another party.

To offset costs that additional coverage may bring, consider bundling. When you bundle your auto and home insurance policies, you get a massive discount. Most carriers will award 30% or more in a discounted premium. Speak with your local independent agent to get a car policy that suits your needs. 

Is Uninsured Motorists Coverage Mandatory in Cuyahoga Falls, OH?

Uninsured/underinsured motorists or UM/UIM will pay for a loss arising out of an accident with an uninsured driver. When you're not at fault, but the other driver doesn't have coverage, UM/UIM will pick up the bill. Let's look at the percentage of uninsured drivers below:

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

In the state of Ohio, UM/UIM coverage is not mandatory but needed. Uninsured drivers are everywhere, and the only way to protect your loved ones is by having UM/UIM. Whether you drive a Mercedes or an RV, speak with your independent agent on this coverage. 

How Theft Rates Affect Your Cuyahoga Falls, OH, Car Insurance

Cuyahoga Falls will have a crime rate like every other place. Whether it impacts your premiums significantly or minimally will depend. Take a look at the theft rates per 100,000 people:

  • National average: 228.9
  • Ohio average: 170.3
  • Cuyahoga Falls average: 69.1

Local theft is lower compared to the state and national averages, which will bode well for you. If your car insurance premiums are impacted by local crime, it shouldn't be by much. Get with your independent agent to see how the theft rate in Cuyahoga Falls affects your costs.

The Price of Cuyahoga Falls, OH, Car Insurance

Auto insurance costs are customized to each person and vehicle. The best way to know if you're getting a fair price is to have your local agent compare with other carriers. Insurance companies us the following personal criteria to determine costs:

  • Crime rates
  • Your credit score
  • Coverage selected
  • Your address
  • Natural disasters
  • Motor vehicle records (MVR)
  • Your claims history
  • Policy discounts 

If your town has many catastrophic events or your MVRs are full of violations, then your rates could be higher. To get exact pricing, have your local independent agent run quotes. 

Connect with a Cuyahoga Falls, OH, Independent Agent Today

When you have your car policy with an independent insurance agent, you're getting the best of both worlds. They can access multiple carriers, giving you options. 

If coverage and pricing are important, then an independent agent can help. Go to TrustedChoice.com to get matched with a local expert and start saving.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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