Car Insurance in Upper Arlington, OH

Even the most cautious drivers can be in collisions. That is why vehicle owners in Upper Arlington need car insurance. A good policy can save you from facing significant financial losses whether you are in a multi-car collision on Riverside Drive, a fender bender in a parking lot, or anything in between.

Independent agents are available to help you find an affordable auto insurance policy that meets all of your coverage needs. Find an independent insurance agent in Upper Arlington to learn more about this necessary coverage and to start comparing a variety of customized car insurance quotes.

How Much Does Car Insurance Cost in Upper Arlington, OH?

The good news for Upper Arlington drivers is that the average cost of car insurance in the Buckeye State is much lower than the national average.

• National average annual car insurance cost: $1,311
• Ohio average annual car insurance cost: $843

Of course, an average rate can only give you a ballpark idea of what you might be expected to pay. Auto insurance premiums are calculated according to a variety of factors such as:

• Your vehicle’s year, make, model, and value
• Your age, gender, occupation, marital status, and driving record
• Information about other licensed drivers in your household
• Whether you own or rent your home
• Your insurance claims history and credit score
• The amount and types of coverage you are purchasing
• The size of your deductible

Every insurance company has its own way of determining how much a policy will cost you. This means that you are likely to get different quotes from each company you contact for rates.

By comparing a few car insurance quotes, you can choose the policy that offers the coverage you want at the lowest price. Independent agents make comparison shopping easy because they contact competing insurance providers on your behalf.

You can save even more money if you bundle your car insurance with other policies like homeowners insurance or renters insurance or qualify for any other potential car insurance discounts. Your agent can ensure you receive any discounts to which you are entitled.

Is Car Insurance Required in Upper Arlington, Ohio?

If you own a vehicle in Upper Arlington, you are required by Ohio state law to cover it with a car insurance policy that meets or exceeds the state’s minimum coverage requirements.

If caught driving an uninsured vehicle, you can have your driver’s license, plates, and vehicle registration suspended. You can also face fees, fines, and the requirement to maintain an SR-22 for three to five years.

Additionally, having an uninsured driving conviction on your record puts you in a high-risk category, which can cause your car insurance rates to increase significantly.

What Does Upper Arlington Car Insurance Cover?

Car insurance companies provide a mixture of required and optional coverage. As a vehicle owner in Upper Arlington, you must have a policy that meets or exceeds Ohio’s minimum coverage requirements.

Ohio mandates that all car insurance policies must include:

• Auto liability insurance: This covers other people’s injuries and property damage if you are at fault for a collision. Your policy must provide at least:
  • $25,000 in bodily injury liability insurance per person
  • $50,000 in bodily injury liability insurance per accident
  • $25,000 in property damage liability insurance per accident

Additionally, if you are still paying for your car or you have it on a lease, you may be required by your lender or dealership to carry:

• Physical damage insurance: This can cover loss or damage to your own vehicle. It includes:
  • Collision coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
  • Comprehensive coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.

In addition to the coverage mentioned above, most car insurance companies also offer various coverage options. These may include:

• Uninsured motorist insurance (UM): This covers property damage and medical treatment for you and your passengers if you are in a collision that is caused by an uninsured driver. If you opt to purchase this coverage, you must buy at least:
  • $25,000 in UM bodily injury coverage per person
  • $50,000 in UM bodily injury coverage per accident
  • $25,000 in UM property damage coverage per accident
• Medical payments insurance: This can help pay for any necessary medical treatment if you or your passengers are injured in a collision, regardless of fault. It typically covers things your health insurance does not, like copays, deductibles, and ambulance services.
• Gap insurance: This is designed to help if you owe more for your car than it is worth. It can pay off your car loan or buy out your lease if your vehicle is totaled in a covered event.
• Glass and windshield insurance: This can cover replacement costs, including labor, if your vehicle’s windshield, sunroof, or window is cracked, shattered, or otherwise damaged.
• Towing and roadside assistance: This can cover the cost of assistance if your vehicle breaks down or is otherwise inoperable and you need to call for help or a tow truck.
• Rental car reimbursement: This can cover the cost of renting a vehicle while yours is being repaired for damage sustained in a covered event.

If you are at fault for a collision and your liability limits are too low, you will need to make up the difference out of pocket, which can be very expensive. That is why many drivers in Upper Arlington buy more liability coverage than the state requires.

If you want even more auto liability coverage than your car insurance provider can offer, you can supplement your auto policy with umbrella insurance. This is an affordable way to significantly boost all of your personal liability coverage.

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How Does Uninsured Motorist Insurance Help Drivers in Upper Arlington, OH?

Even though driving without insurance in Ohio is illegal, more than one out of ten motorists in this state is driving around in an uninsured vehicle.

• Percentage of US drivers who are uninsured: 13.0%
• Percentage of Ohio drivers who are uninsured: 12.4%

If you are in a collision caused by an uninsured driver, that person is responsible for covering your property damage and the treatment of injuries for you and your passengers. This may necessitate that you sue the at-fault driver, and it may be challenging to collect the money owed to you.

Uninsured motorist insurance provides a solution to this problem. If you opt to include this coverage in your policy, your own insurance company will provide the compensation that is owed to you and will then take on the difficult task of collecting from the uninsured driver.

How High Is the Auto Theft Rate in Upper Arlington, OH?

The auto theft rate in Ohio is lower than the national average, and the rate is even lower in Upper Arlington. This is not to say the risk does not exist. Residents of this city report around 14 auto thefts a year.

• National auto theft rate per 1,000 people: 2.29
• Ohio auto theft rate per 1,000 people: 1.70
• Upper Arlington auto theft rate per 1,000 people: 0.42

You can only be reimbursed for a stolen car if your car insurance policy includes comprehensive coverage. This “other than collision” insurance covers far more than just car theft. It can pay to repair all sorts of non-collision-related damage to your vehicle.

 You probably already have comprehensive coverage if you are leasing or financing your vehicle. If not, you may want to look into how much it would cost for you to add it to your auto insurance policy.

What Are the Best Car Insurance Companies in Upper Arlington, Ohio?

The best car insurance companies in Ohio are the ones that have a solid track record for offering reliable coverage, excellent customer service, rapid claims processing, and reasonable rates.

Independent insurance agents in Upper Arlington have built relationships with many top-rated insurance companies, so you can rest assured that any policies your agent recommends to you come from trustworthy insurers.

How Can an Independent Agent in Upper Arlington Help Me Find the Best Car Insurance?

A local independent agent can answer your questions about car insurance, explain your many coverage options, and help you review coverage and prices from a few competing providers. That way, you can choose the policy that offers the protection you want at the most competitive price.

Independent agents can be a great source of information when you are looking for any kind of insurance policy. Best of all, it doesn’t cost anything to consult one of these agents for guidance and advice. Contact an independent insurance agent in Upper Arlington to get more information.