Springfield Car Insurance

Your Complete Guide to Springfield, OH Car Insurance

How to find a local independent agent

Springfield, OH is known as the city of roses. It was once home to the most rose production in the world. This charming town is an attractive place to plant roots.

If you live in this popular city of 59,208 residents, you'll need your vehicle protected. An independent insurance agent can help you find the car policy to suit your needs. Connect with a local expert to get started.

Vehicle Thefts and Your Springfield, OH Car Insurance

The more crime-related claims a city has, the more expensive the premiums. Carriers figure your costs off of a few different factors, and one is local theft. Let's look at the average theft rates:

  • National average per 100,000 vehicles: 228.90
  • Ohio average per 100,000 vehicles: 170.30
  • Springfield average per 100,000 vehicles: 403.30

The number of car thefts in Springfield is more than both the state and national averages. Your car insurance rates could be negatively impacted. To know how local crime will affect your costs, get quotes from your independent agent.  

How Much Is Car Insurance in Springfield, OH?

Every car insurance policy is unique because the carriers go off of your personal data. It's more than the make and model of your vehicle that determines your insurance rates. Take a look at the information used by the carriers:

  • Weather in the area
  • Discounts that you may qualify for
  • Your credit score
  • Your loss history
  • Your experience level as a driver
  • Your driving record
  • Household drivers included on the policy
  • Local crime rates
  • Year, make, model, and value of the vehicle
  • Coverage you select

Some of the above factors you will have control over, while others you may not. To offset any costs, you can speak with your independent agent about bundling. When you bundle your auto and home insurance with the same carrier, you qualify for a large discount. This can save you some much-needed premium dollars.

Required Auto Insurance in Springfield, OH

Most states require some form of auto liability coverage to drive. Springfield, OH is no different. It's important to know what insurance is mandated where you live.

Car Insurance Requirements in Springfield, OH:

  • A minimum liability limit of $25,000 per person
  • A minimum liability limit of $50,000 per accident
  • A minimum liability limit of $25,000 in property damage

The cost to replace a vehicle in today's market is upwards of $36,000. That can be a considerable expense to pay out of pocket. When you're without adequate coverage limits, then your finances can take a hit. In addition to having proper liability limits, an umbrella policy can help. Umbrella insurance will supply an extra limit of liability, starting at $1,000,000. Speak with your local independent agent to discuss your liability and umbrella coverages. 

Optional Car Insurance Coverage in Springfield, OH

Optional car insurance coverage is not automatically included in your policy. When you want more than just liability, you'll need to add it. If replacement or repair of your personal auto is important, speak with your agent about additional coverages. 

Optional Car Insurance Coverage:

  • Towing coverage will pay for a tow of a covered auto.
  • Rental car coverage pays for a rental car if yours needs to be repaired or replaced due to a loss.
  • Gap coverage pays for the difference between your auto loan and your car's current value when a total loss occurs.
  • Comprehensive coverage will pay for property damage to your vehicle if it is hit by an unavoidable object, or damaged by things like fire, severe weather, or vandalism.
  • Collision coverage pays for property damage to your vehicle when a crash occurs.

These are just a few optional coverages you can discuss with your agent. You can also add insurance for your ATVs, golf carts, and the like. Connect with your Springfield independent agent to get quotes.

Uninsured Motorists in Springfield, OH

No matter where you drive, uninsured motorists share the road. Their lack of coverage can put you and your family at risk. To have proper protection, you'll need uninsured/underinsured motorist coverage.

  • National uninsured drivers: 13.0%
  • Ohio uninsured drivers: 12.4%

Uninsured/underinsured motorist insurance will fill in the gap when the responsible party lacks coverage. Some states require this insurance, but OH does not. Whether you drive an SUV or an RV, be sure to speak with your Springfield agent about this important coverage. 

Does Your Car Insurance Cover a Rideshare Business in Springfield, OH?

Your personal auto insurance will exclude coverage for any rideshare or for-hire livery services. Whether you are transporting people, parcels, or food, you'll need a policy that protects you.

An independent insurance agent will probably recommend a commercial auto policy to have adequate coverage. Business insurance will supply the right type of protection for your side hustle or full-time gig. Discuss business policy options with your independent agent.

Why You Need an Independent Insurance Agent in Springfield, OH

An independent insurance agent can help when you're shopping for the best rates and coverage in Springfield. They are local and know the pitfalls that could cause a claim. Since an independent agent works with several carriers, they can find car insurance for an affordable price.

When you're unsure where to start, go to TrustedChoice.com. They have a network of skilled experts to assist you. Use the find-an-agent tool and get connected today.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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