Ohio

The Buckeye State

 

Ohio is an amazing midwest state full of beauty and places to explore.

Some may think of it as a fly over state, but it is so much more than that.

The location of Ohio is interesting because if boarders many other states such as Michigan, Indiana, Kentucky, West Virginia, and Pennsylvania.

It also touches one of the great lakes, Lake Erie.

Ohio is a mixture of agriculture and small towns, along with a large bustling Cleveland.

Because of its close proximity to so many other states, you may even live in Ohio but commute to work in other states.

This is one way that Ohio is different than other states.

You can find the Rock and Roll Hall of Fame in Cleveland, and the Cuyahoga Valley National Park in another part of Ohio.

In Ohio, you truly have the best of both worlds.

You can have a city life, or a simple country life.

Visit the beautiful Ohio River which runs through the state.

Take note of the many museums and great restaurants that this great state has to offer.

Residents of the Buckeye State enjoy the many choices for cheap insurance Ohio has available.

Ohio is a state full of smiling faces and families wanting to have a good time.

A true midwestern feel is what you will notice when you visit Ohio.

Having great insurance in Ohio is what will make you feel even more secure.

 

 

Ohio Facts

 

  • Around 16% of drivers in Ohio are uninsured.
  • This can result in a loss of driving privileges for up to 2 years, up to $650 fine, requirement of financial responsibility filing (SR-22), and even vehicle impound.
  • Ohio is within a one-day drive of 50% of the nation’s population, and 70% of its manufacturing, making the state a vital cargo and transportation hub.
  • Ohio has experienced over 200 earthquakes since 1776.
  • Eight U.S. presidents have hailed from Ohio, giving the state the nickname “Mother of Presidents”.
  • The largest industries in the state are manufacturing and financial activities (making up 18% of GDP).
  • The trade/transportation/utilities sector employs over 1 million Ohioans (19% of the state’s workforce).
  • Ohio’s car insurance rates average only $926/year!
  • There are over 9 million licensed drivers in Ohio, with 12 million registered cars on the road.
  • In 2012 there were 287,000 traffic crashes, 1,000 of which were fatal.
  • That may seem like a lot, but it is considerably lower than the national average.
  • All in all Ohio is a safe and affordable place to drive.
  • According to the Century Council, there were a total of 35,629 DUI arrests in 2012.
  • Mothers Against Drunk Driving reported 385 drunk driving fatalities, and 7,386 alcohol related crashes, for a total taxpayer subsidy of $1.8 billion.
  • Ohio does not require an ignition interlock device for convicted drunk drivers, but it does have sobriety checkpoints, child endangerment laws, and license revocation laws.
  • First time offenders receive a jail sentence of 3 days minimum, up to 6 months or a 3 day enrollment in a Driver Intervention Program
  • Drivers licenses are suspended for up to 3 years, with a $450 reinstatement fee, and up to $1,000 in fines.

 

 

 

 Car Insurance

 

Car insurance in Ohio is very important and not only that, it’s mandatory.

In order to drive anywhere in America, you must have a valid drivers license, current registration and insurance for your vehicle.

Ohio is a relatively safe place to drive.

The roads are not that congested, and the rate of accidents is fairly low in comparison to other states.

You will want to speak with a broker to find out details about insurance in your state.

Get the cheap car insurance Ohio drivers want to feel secure.

 

Here is the minimum amount needed in Ohio:

 

  • Bodily Injury liability: $25,000 per person/$50,000 per accident
  • Property Damage liability: $25,000
  • For a full explanation of the minimum coverages, visit Ohio’s Bureau of Motor Vehicles

 

If you are looking for more, consider adding this to your policy:

 

  • Medical coverage for you and your passengers- Medical coverage can make a huge difference for your security and safety.
  • Towing and roadside assistance- You may not only need this for a crash, but if you break down. Roadside assistance can save you time and money.
  • Rental reimbursement- You could be covered or reimbursed for a rental car when you are involved in a crash.
  • Uninsured Motorist coverage- this will make sure that you are still covered even if someone without insurance hits you.
  • Full glass coverage- this is additional coverage for your car to cover glass windows and doors.

 

Get the free instant quote you want now by clicking the link button below.

 

Car Quote

 

Motorcycle Insurance

 

 

Motorcycle insurance in the state of Ohio is similar to car insurance.

There is a minimum amount that you will need in order to ride your bike.

You love your bike, and riding it in Ohio means seeing some beautiful country.

When you want the best motorcycle insurance in Ohio, you need to research what the laws are of your state as well as what insurance you might need.

Get the cheap motorcycle insurance Ohio riders want to feel protected.

We all know that motorcycles can be dangerous.

This means that you should be covered not only for others out there on the road, but for yourself.

This way if you get into an accident, you can pay for all of the damages necessary.

Buckeye State bikers are required to carry liability insurance.

This covers you if you’re found at fault in an accident that results in injuries or property damage to others.

 

 

Ohio requires at least the following limits:

 

  • $25,000 of bodily injury liability per person
  • $50,000 of bodily injury liability per incident
  • $25,000 of property damage liability per incident

 

Maybe you are looking for full coverage.

 

Ask your broker about adding this:

 

  • Collision coverage can help cover costs to you and your own bike.
  • Comprehensive coverage will cover theft and other types of damages to your bike.
  • Towing and roadside assistance are always a good idea in case you break down. You could be covered or reimbursed for this.
  • Uninsured Motorist coverage is a great idea. If you get into an accident with an uninsured rider or driver, your costs will still be covered.
  • You may also be able to get your gear covered. Helmets and riding jackets can be expensive! Ask about this coverage today.

 

Get your free quote by clicking on the link button below.

 

Cycle Quote

 

 

Homeowners Insurance

When you purchase a home in Ohio, you are making a solid investment.

Buying a home is a big deal and a very large purchase.

You will want to protect this investment.

You could have coverage for theft, liability, and damages to your home.

Let the best cheap homeowners insurance Ohio has to offer come to you.

Talking with a broker about your options is helpful.

There is no law stating that you must have insurance for your house.

But most lenders and banks will require you to have it.

 

 

  • When you purchase a home, home lenders require you to have a minimum amount of coverage in order to protect what they are financing.
  • Homeowners insurance is in place in case a disaster such as a fire occurs and your home is destroyed. You will need it insured to pay off the loan on the home and recover damages.

 

 

What can my home be covered for?

 

  • Damage to your home, including permanent structures on your property—unless your policy specifically excludes the cause of the damage
  • Damage to personal property, meaning the items in your home that are not attached to the dwelling, due to causes outlined in your policy
  • Liability coverage for legal matters or accidents that occur on your property
  • Loss of use, which allows you to maintain your lifestyle at another residence while your home is being repaired without incurring additional costs
  • Limited coverage for items such as stolen jewelry—the amount of coverage varies depending upon state of residence, and you always have the option to increase this coverage.
  • Additional coverage available for more valuable items (jewelry, fur, silverware, etc.). If coverage above the limited coverage amount is required, a “rider” should be purchased. This coverage offers a broader range of perils.

 

Get the best insurance you can by calling today.

 

Home Quote

 

 

Life Insurance

 

 

Life insurance is about giving to your family when you are no longer with them.

Investing in the future of those who depend on you is a great way to end your life.

When you purchase life insurance you could have your debts and mortgages paid for.

Leaving money to the ones you love could help them in their greatest time of need.

Knowing how much your insurance policy should be is a hard decision.

Most people recommend that you have at least ten times your yearly salary.

If you are making 60 thousand dollars a year you need to have  no less than half a million dollar policy.

Other financial advisors will suggest upping that amount to a million dollar policy.

You should talk with a friendly broker about what life insurance can do for you and your family.

Get the cheap life insurance Ohio families deserve today!

 

 

What types of policies are there?

 

  • Term life insurance is a product that is called temporary because it’s meant to protect you for a certain amount of time.
  • It comes in forms of 5 year term, 10 year term and all the way up to 30 and sometimes 40 year terms.
  • For example, if you purchase a 20 year term policy, your rate will be locked in for 20 years and will not go up or down in a level term product.
  • Permanent life insurance is a life insurance product that can provide life insurance protection for your entire life.
  • Depending on the type of product or company, it can range from  coverage to age 90, 100, 121 or lifetime.
  • Your insurance needs will change over time, just like you will. Experts suggest you review your policy every six months to make sure you have all the coverage you need.
  • You work hard for what you have, and to provide for those who are depending on you.

 

Whenever you purchase insurance, you can always save more.

Bundle your life insurance with car or homeowners insurance.

Understand how much money you will need to pay for your family and their needs when you are no longer with them.

 

Life Quote

 

 

Health Insurance

 

When you and your family live a healthy lifestyle, you are living in health.

That may mean eating well, getting outside and getting plenty of sunshine.

But there will come a time when you want to see a doctor.

You should have a doctor that you trust and that you can afford.

Health insurance is mandatory in the United States.

Having health insurance is as important as having car insurance or more.

Rates for this type of insurance are based off of your income.

The more money you make, the more you end up paying for health coverage.

Get the cheap health insurance Ohio individuals and families need.

 

 

How does heath insurance usually work?

 

  • In a traditional healthcare plan, the doctor is reimbursed for all or some of the patients visits by the healthcare insurance company. This gives the patient the freedom to choose their own doctor and plan. For this type of plan, there is a premium paid and usually a yearly deductible.
  • Through managed care policies, the insurance company must approve certain aspects of care for the patient.
  • The portion of the U.S. economy spent on healthcare is almost 20%.
  • Dental coverage is not as widely used as healthcare coverage, but it is still part of the healthcare we need throughout the United States. Find a local Dental School to take care of your smile. They are usually less expensive.
  • Health insurance is a contract between you and the health insurance company that states that they will pay a percentage of your medical bills. For example they might pay 80% of your medical expenses. Some employers pay 100%. This depends on many factors. In many cases, employers pay for some sort of medical plan.

 

Make sure you are covered with the best doctor available.

Choose your plan and your deductible by talking with a broker.

 

Health Quote

 

 

Renters Insurance

 

 

Renting a home in Ohio is a great idea when you aren’t quite ready to purchase one.

Around 40% of Americans rent instead of own.

Renting can save you a lot of hassle and obligation.

But you will still need to carry insurance for yourself and the assets inside of your home.

Most landlords don’t have enough insurance to cover their tenants.

Get the cheap renters insurance Ohio tenants need now and feel protected where you live.

Whether it is a small apartment, or a large house in the country, insurance is a must!

Renters insurance can cover you for theft, liability and damages to the home you live in.

Even though you don’t own the house which you reside, doesn’t mean it’s not a home to you.

More break-ins happen in apartment buildings or condos than other types of homes.

The National Crime Prevention Council has found that apartments are 85% more likely to be robbed than other homes.

 

 

Renters Quote

 

 

We Have Your Town Covered