Mentor Car Insurance

Your Complete Guide to Mentor, OH Car Insurance

How to find a reliable policy

Mentor, OH is a lakeside town and was home to president James Garfield. With its numerous greenhouses and growing population, Mentor is a thriving place.

If you drive the historic streets of this city of 47,121 residents, then you'll want reliable car coverage. An independent insurance agent can help you find the auto policy you need. Get matched with a local expert today. 

What Does Your Mentor, OH Car Insurance Cost?

Every car insurance premium is unique to the vehicle and the person driving it. Carriers use individualized information to determine pricing for your policy. The insurance companies use the following rating factors:

  • Your address
  • The number of claims reported in the area
  • Your insurance score, credit score, and driving record
  • The coverage you select
  • The crime rate where you live
  • The year, make, model, and value of the vehicles you insure
  • Your experience level
  • Your loss history

It's not so much about whether you drive a sports car or an RV , but more about who you are and your driving history. If you want exact numbers, you'll need to get quotes. Contact a Mentor independent insurance agent to rate your auto policy.

Mentor, OH Car Insurance Requirements

Like worker's compensation insurance for businesses, most states require auto coverage in some form. Mentor, OH is no different. To have the right policy in place, check out the requirements below.

Car Insurance Requirements in Mentor, OH:

  • Minimum liability limits of $25,000 per person/ $50,000 per accident/ $25,000 in property damage

While only the minimum limits of liability are mandated in OH, your agent may recommend more. When the cost of an average vehicle is over $36,000, you'll want enough protection. Get with your Mentor independent agent to discuss policy options.

Uninsured and Underinsured Motorist Coverage in Mentor, OH

The best way to protect your loved ones from a driver without insurance is with uninsured/underinsured motorists coverage. This will provide insurance in the event of a loss when the other driver is uninsured and you sustain injuries or property damage. Check out the percentage of uninsured motorists:

  • National: 13.0%
  • Ohio: 12.4%

Whether you drive a snowmobile or an SUV, you'll want uninsured/underinsured motorist coverage for protection. The state of OH does not require it, so you'll need to discuss limits with your Mentor independent agent. 

Other Car Insurance Coverages in Mentor, OH

There are several other coverage options you can add to your auto policy. Liability coverage is automatically included, but other policy options need to be discussed. If you want to be insured correctly, take a look at your choices.

Optional Auto Policy Coverages:

  • Rental car: Pays for a rental car needed as a result of a covered loss.
  • Comprehensive: Pays for property damage to your vehicle resulting from an obstruction hitting your car, or from severe weather, fire, or vandalism. 
  • Collision: Pays for property damage to your vehicle or property resulting from a crash.
  • Towing: Pays for a covered auto to be towed.
  • Gap: Pays for the difference between what's left on your auto loan and your vehicle's value in the case of a total loss. 

Car insurance is essential, but extra coverages can add a premium to your policy. When you're worried about cost, consider bundling. If you bundle your auto and home insurance with the same carrier, you'll qualify for discount of 30% or more. Discuss price-saving options with your independent agent.

Does Theft Impact Your Mentor, OH Car Rates?

The local crime rate will have an impact on your car insurance premiums. Carriers look at the number of crime-related claims and charge accordingly. Check out the average theft rate:

  • National average per 100,000 vehicles: 228.90
  • Ohio average per 100,000 vehicles: 170.30
  • Mentor average per 100,000 vehicles: 31.80

Mentor has a lower theft rate than the state and national figures. This means your car insurance premiums could be less. To know how local crime will affect your costs, contact your Mentor independent agent.

Additional Liability Insurance in Mentor, OH

Umbrella insurance extends an additional limit of liability over your underlying auto policy. When a more substantial claim exhausts your primary coverage, umbrella insurance will kick in.

Policy limits start at an extra $1,000,000 and go up according to your assets. Speak with a Mentor independent insurance agent about an umbrella policy today.

How a Mentor, OH Independent Agent Can Help

Auto coverage is easy to find if you know where to look. An independent insurance agent will help find a car policy to fit your budget. 

They have access to several carriers, giving you options. An independent agent works on your behalf for free. Go to TrustedChoice.com to connect with an expert in your area.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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