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Plain City, OH 43064

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Smucker Insurance Agency, Inc. Blog

Required Auto Insurance in Ohio

Like other states, Ohio has its own requirements for its residents’ auto insurance. And, it requires you to prove that you have a current insurance policy that meets the state regulations. If you aren’t sure that you have enough auto insurance or you need to start a new policy, call us at Smucker Insurance Agency Inc. in Plain City, OH to speak with an agent about your coverage. 

Bodily Injury Requirements

Bodily injury liability insurance coverage is required by Ohio. The state has a specific minimum amount of this insurance that you must carry, though many people get a higher amount to make sure that they will be able to pay if there is a serious accident. This type of coverage helps with some of the expenses you will have when you are at fault for an accident, including the medical bills of the other party. There is a minimum amount of coverage set for when one person is injured and another when two or more people are injured.

Property Damage Requirement

Coverage for property damage is also required by the state. This coverage pays for property damage that you do to another person’s vehicle in an accident that you are responsible for. It can also cover property damage to a building if your vehicle were to hit one. Like the bodily injury coverage, the Ohio minimums are relatively low, and many people choose to get more coverage so that they won’t owe out of pocket if they hit an expensive car. 

Get Your Auto Insurance

The required minimum coverage amounts are the bare minimum to stay legal in Ohio, but it’s common for people to raise those amounts as well as to get optional types of coverage so that their own vehicle’s damage is covered. If you need auto coverage, give us a call at Smucker Insurance Agency Inc. in Plain City, OH, and make an appointment to talk to an agent. 

What Does A Comprehensive Auto Policy Cover

As of 2016, the state of Ohio had almost 8 million drivers. That is a lot of people sharing the roads with you. For most people these days, a car is a significant investment. While the law in Ohio does not require that you carry anything but liability insurance, which protects other drivers in the event of an accident that you cause, it does not require that you protect your vehicle. If you have a car loan, your lender will likely require you to carry both collision and comprehensive insurance. While collision coverage is pretty self-explanatory, you may not know exactly what comprehensive auto insurance is. At the Smucker Insurance Agency, Inc. in Plain City, OH, our knowledgeable team understands all types of auto insurance coverage. We are available to help you understand what a comprehensive auto policy covers. 

A comprehensive insurance policy is often called "other than collision" coverage. Lots of things can happen to your vehicle, and all of them do not involve another vehicle, some of them are beyond your control. Weather is one example of things you can’t control. You can’t always protect your vehicle from the effects of a strong hail or wind storm. Tree limbs and hail can cause a lot of damage. So can a large animal like a deer or moose. Theft and vandalism are also covered by comprehensive insurance. Most comprehensive coverage includes glass coverage, and it is good to have when a stone gets thrown up onto your windshield. 

When you are ready to discuss your auto insurance coverage, the experienced team at Smucker Insurance Agency, Inc. in Plain City, OH will be happy to share their expertise. You can give us a call or stop by our office, and you are welcome to use the online rating tool on our website. 

How Does Auto Insurance Change After 50?

One of the many silver linings to getting older is that in many cases things get cheaper. Discounts abound when you hit the “senior” status. Car insurance in Marysville or Plain City, OH and surrounding areas are no different. Here is what you need to know about how car insurance changes after the age of 50.

When do Rates Change?

Although many people look forward to lower car insurance rates as they get older, these rates eventually will level out for people around the age of 50 to 60. This will be the time in which, with a good driving record, you can enjoy the rock bottom, lowest rates available to you. However, after you hit this sweet spot, the rates start going up again in your 70s.

Why Do Rates Fluctuate?

Car insurance rates fluctuate because insurance companies base their rates on many different factors. They base their rates on cars, driving behavior, and age. Age is important because, as an age group, drivers behave in certain ways. Even if you are an exception to the group rule, you will still fall into that category because of your age. Speaking with a rep at Smucker Insurance Agency, Inc. can help you better understand these changes.

How Can You Save?

The best way to always make sure you are getting a reasonable price on car insurance is to keep an excellent driving record. Even if you are in a high-risk age group, you will not be hit with higher premiums due to claims or marks on your driving record. Following the speed limit at all times, being cautious and not participating in risky driving behavior, will all contribute to making sure you get the best deal possible for your age group.

It is also a good idea for older drivers to brush up on their driving skills by taking driving classes geared toward seniors.

If you would like to learn more about car insurance and how it changes with age, please contact our friendly staff at Smucker Insurance Agency, Inc., serving Plain City, OH, and surrounding areas.