http://www.cheapcarinsurancenets.com/cheap-car-insurance-in-ohio-oh.html - If you are on a budget there are many ways you can save money and secure cheap car insurance in Ohio. The key to doing this is to shop around for the best deal possible and to make sure that you select the right policy with the right protection for your personal situation.
Assessing Insurance Needs For Car Insurance In Ohio(OH)
The state of Ohio does require a minimum amount of insurance for drivers. All drivers must carry at least $12,500 for an accident in which one person is injured. For multiple people injured, drivers must have at least $25,000 worth of Ohio car insurance. Finally, drivers must also have a minimum of $7,500 worth of insurance to deal with property damage that occurs as a result of an accident.
While this is the minimum amount of coverage that you need for car insurance in Ohio, your individual needs may vary. It is very possible that your damages could come out to be a lot more than what the minimum requirements are. You are still responsible for those damages even if you dont have enough insurance to cover them.
One area that is definitely a risk in the state of Ohio is car accidents that involve a deer. Ohio is one of the top states in the nation in the area of deer car accidents. Car accidents involving deer tend to do significant damage to a vehicle because of the large size of these animals. The minimum liability Ohio car insurance required provides no protection for damages to a car as a result of a deer crash. To have protection against this, you will need some type of collision protection on the vehicle.
Of course, you also want to keep in mind that collision protection may not be worth it depending on the make and model of the car. If you are driving a much older car, the amount of money that you may have to pay per year for collision protection could very well cost more than what the car is worth. In that case, you would be better off just putting that money in an savings account and if an accident occurs, use it to just buy another car.
