Mansfield Car Insurance

Your Complete Guide to Mansfield, OH, Car Insurance

(How to get connected with a local independent agent)

Mansfield, OH, is known as the carousel capital of the world. Home to over six antique carousels makes Mansfield a charming town. 

This city has over 46,160 residents. If you're one of them, you may need proper auto insurance. Connect with an independent insurance agent to get coverage for a fair price. 

Is Car Insurance Mandated in Mansfield, OH?

In most states, auto coverage is mandated, similar to workers' compensation insurance. In Mansfield, OH, it's no different. To have adequate protection, first, you need to know the minimum requirements.

Ohio Auto Insurance Requirements:

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

A local Mansfield agent may suggest higher liability limits than the minimum state requirements. This is because the lowest coverage is often not enough when a claim occurs. With most US vehicles costing over $36,000, you likely won't have enough insurance to cover a loss. Discuss options with your independent insurance agent to get started.

Additional Coverages to Include in Your Mansfield, OH, Auto Policy

Your car insurance will automatically include limits of liability. Other coverage is optional and will need to be added. Discuss the different types of protection you can obtain with your agent.

Mansfield auto insurance coverage options:

  • Gap coverage: This will pay for the difference between your auto loan and the value of your vehicle. 
  • Rental car coverage: This will provide reimbursement up to a preselected dollar amount for a rental car. 
  • Medical payments coverage: This will provide for smaller medical expenses when you're at fault.
  • Comprehensive coverage: This will pay for property damage to your vehicle that is not a collision.
  • Tow coverage: This will pay for a tow of a covered auto.
  • Collision coverage This pays for property damage to your car in the event of a crash.

Whether you drive an SUV or a snowmobile, you may want more than just liability. If that's the case, discuss these and other optional coverages with your Mansfield independent agent. 

Uninsured Motorists in Mansfield, OH

Uninsured drivers are everywhere. To better protect you and your loved ones, obtain uninsured/underinsured motorists or UM/UIM coverage. This will pay for your expenses when an uninsured driver is at fault in an accident. Let's look at the percentage of uninsured drivers below:

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

Your car insurance is not required by state law to have UM/UIM insurance. However, it is a necessary coverage if you want to protect your finances when an accident occurs with an uninsured driver. Connect with your local independent agent to quote UM/UIM on your auto policy.

How Theft Rates Affect your Mansfield, OH, Premiums

The local crime impacts your auto premiums positively or negatively. When you live in a city with a higher rate of theft, you will see an increase in insurance costs. Let's take a look at the average theft rates:

  • National average: 228.9
  • Ohio average: 170.3
  • Mansfield average: 165.4

If you drive a sports car or an RV, your premiums will be affected no matter what. There are various things you can do to help lower costs. Speak with your Mansfield independent insurance agent to discuss discounts.

How Much Does Car Insurance Cost in Mansfield, OH?

Costs for insurance will be different for every person. Rates are specific to you and your vehicle. Carriers will use several items to determine your insurance premiums. Some rating factors you should be aware of are below:

  • Crime rates in Mansfield
  • Weather risks in Mansfield
  • The coverages you choose
  • Your claims history and insurance score
  • Policy discounts that may apply
  • Your motor vehicle record (MVR)

One way to offset what rating factors could do to your costs is to bundle. When you bundle your auto and home insurance policies with the same carrier, you save big. Most companies will give you a 30% or more discount on coverage. Speak with your independent agent on your multi-policy savings.

Are You Covered as an Uber Driver under Your Mansfield, OH, Car Policy?

Contrary to popular belief, a personal auto policy will not provide coverage for rideshare services. If you're getting extra cash by offering a livery-for-hire service with Uber or Lyft, then you should call your agent. Ask your independent agent the following questions:

  • Does my current auto policy provide coverage when I am transporting people?
  • Does my current auto policy provide coverage when I am transporting parcels?

Your agent will likely suggest a commercial auto policy to have proper coverage. Since rideshare services are a business, then you'll need commercial insurance to be protected. Discuss your business needs with a Mansfield independent agent. 

Connect with a Mansfield, OH, Independent Agent Today

Mansfield independent insurance agents are different because they have options. They work with several carriers, saving you time and money on coverage. 

The best way to connect with an independent agent is through TrustedChoice.com. They have a find-an-agent resource that can get you matched with a local expert. 

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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