Cheap Car Insurance Lorain

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cheap car insurance lorainLocated at the mouth of the Black River, Lorain is approximately 30 miles west of Cleveland, and Ohio’s tenth largest city. The cost of living in Lorain is 2% lower than the Ohio average, and housing  is 42% lower than the national average. Over 70 different nationalities live in the Lorain area, and there are many historical sites and beautiful parks and beaches to enjoy. The Lorain County Metro Parks section of Lakeview Park features a playground on the beach, volleyball courts, a bathhouse, five showers, a color-changing fountain, an Easter egg basket, and a historical rose garden. The rose garden was restored in 2005 and roses are planted to honor those that had ties to the community, or to the garden itself in city history. Traffic in the city is minimal, but due to the high crime rate, it is very important to understand all the options for cheap car insurance Lorain has to offer. and to take advantage of any discounts.

The overall crime rate in Lorain is 49% higher than the national average, and property crime is also above the norm. The Lorain Police Department is comprised of 113 Police Officers and 34 civilian employees. There are also specialized units, including the Criminal Investigations Division, a Crisis Negotiation Team, and a K-9 Unit. In addition, the Community Partnership Team (CPT) was developed to connect with the community, better understand the needs and expectations of the people, develop effective partnerships, and ultimately provide comprehensive service.

Lorain Insurance Requirements

cheap car insurance lorain 2The Insurance Research Council has found that as many as 15% of Ohio drivers have failed to carry car insurance in recent years. Failure to present proof of insurance while driving results in immediate license plate suspension and a minimum fine of $500.

  • Ohio mandatory minimum coverage for bodily injury or death of one person in an accident is $20,000.
  • Ohio mandatory minimum coverage for bodily injury or death of more than one person in an accident is $40,000.
  • Ohio mandatory minimum coverage for damage to property of another person is $15,000.

The minimum coverage may be all the law requires, but Lorain is a highly populated city with very busy highways. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for the best cheap car insurance Lorain can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

cheap car insurance lorain 3Public Transportation In Lorain

There is 1 airport and 3 Amtrak train stations within 30 miles of the Lorain city center, and the average travel time to work in Lorain is 8% lower than the national average. The number of people who take public transportation in Lorain is 83% lower than the national average, although the number of people who carpool to work in Lorain is 16% higher than the national average.