Whatever reason you have for wanting to get car insurance in Columbus Ohio, there are some things you should know before you buy. Maybe you're a new driver or someone who just moved to Columbus, it doesn't matter you, you should still have some information about Columbus car insurance. So here are some things you should know.
First of all having car insurance is a mandatory law in Columbus Ohio. If you are driving without insurance you will get your license take away for ninety days and your car impounded. You will then have to a large reinstatement fee and fines and that's on top of the fee you'll have to pay to get your car out of impound. Ohio law requires that you be covered by at least the minimum levels of liability insurance, which are the lowest in the country. This will help you pay for property damage and bodily injury done to another person, in case you're in a car accident and you're at fault. You and your property are not covered under liability insurance. Ohio, unlike some states, doesn't require drivers to carry personal injury protection or uninsured motorist coverage. The minimum coverage required by law in Columbus Ohio, is $15,000 for injuries caused to one person, $30,000 for more than one person and $10,000 for property damage caused by an accident.
Another thing you should know when getting Columbus car insurance, is what will affect the cost of your insurance. Some of the things that can affect your Columbus car insurance quotes are your age, your driving record, your gender, your marital status and your credit history among other things. Teenagers and the elderly are considered high risk factors when it comes to driving so car insurance prices for these two groups will be higher. Other factors that are cause for higher auto insurance quotes are location and credit history. If you live in a bad area where your car has a high risk of being damaged or stolen you can expect to pay a higher premium for car insurance. Also if you have a bad credit score this indicates that you don't pay your bills on time or not at all, which makes you a high risk so your car insurance premium will also be higher.
The bottom line is you have to have auto insurance in Columbus. In the end when it comes down to getting your Columbus auto insurance quotes you will have to figure out the type of insurance you want. You can get your Columbus car insurance quotes online. Enter your zip code below and we can help you get started finding great deals.