In the Buckeye State, Ohio car insurance for the masses is mandatory by law. Like every other state in the nation, Ohio take seriously its obligation to keep the highways, roads and interstates safe for the benefit of all who drive on them. Making sure that people who own and operate motor vehicles in Ohio are carrying at least mandatory minimum levels of insurance is very important.
Auto insurance, becomes especially important for newer or less experienced drivers as studies have shown that they -- as a group -- are the most unsafe motor vehicle operators on the road. In fact, drivers 16 to 24 are responsible for more auto accidents than any other group. That's why it's a good idea for parents to make sure their new drivers are covered as well as possible.
In Ohio car insurance mandatory minimums aren't all that high, which is kind of surprising considering the strict requirements to carry insurance in the state. The law says that mandatory minimum insurance needs to be at least 12. 5/25/7. 5. This means that a person who owns and registers a vehicle in the state of Ohio must carry, at minimum, 12 1/2 thousand dollars of bodily injury liability for one person injured in an accident.
It also means that $25, 000 of bodily injury liability for all injuries in one accident must be carried and that at least 7 1/2 thousand dollars of property damage liability will need to be added to any insurance policy in order to meet minimum requirements. Ohio is also another state that doesn't require what's called "no-fault" insurance. This means levels of blame can be assigned to each driver, where necessary.
Ohio also doesn't require any mandatory personal injury protection coverage and also does not make an insurance policy holder keep or maintain any level of uninsured motorist coverage. Generally, it's always highly recommended that owners of vehicles who intend operate them out on the roads carry well above the mandatory minimum, though they can't be made to do so.
For owners of cars older than -- say -- eight years, it might make sense to go with just the mandatory minimums when it comes to allow car insurance. But for any car newer than that, it probably isn't a good idea to just pay the bare minimums required given how expensive a car can be these days to repair or replace.
Just go online and visit any one of over a dozen insurance policy aggregator sites to get an idea of how expensive or cheap Ohio car insurance might be. In some cases, insurance can be made cheaper by increasing the amount of the deductible that would be paid in case of an accident. Check to make sure that the lien holder -- if there is one -- will allow increasing the deductible.
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Article Source: http://EzineArticles.com/?expert=Ted_Kripps
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