Cheap Car Insurance Parma

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cheap car insurance ParmaParma the largest suburb of Cleveland, and the seventh largest city in the state of Ohio. The city is one of the area’s top three destinations for young adults aged 22 to 34, and the demographic is increasingly choosing Parma as a place to live and raise a family. The cost of living in Parma is 1% higher than the Ohio average, but 7% lower than the national average. Parma has encouraged the growth of many small businesses and has been an operating hub for many well-known companies, including, General Motors, the Union Carbide Research Center and Cox Cable Television. The commute time is 5% lower than the national average, but the number of people who take public transportation in Parma is 64% lower than the national average. This means there is a consistent amount of traffic congestion, so it is important to understand all the options for cheap car insurance Parma has available. Comparison shopping is the number one way to guarantee you are paying the lowest price for your coverage.

The overall crime rate in Parma is 51% lower than the national average, and Parma is safer than 74% of the cities in the United States. When it comes to property crimes, Parma is 50% lower than the Ohio average and 48% lower than the national average. In 2016, the crime index is 50%, meaning Parma is only safer than 50% of cities in the United States. Crime rates are important factors in determining insurance rates and keeping your premiums low.

Parma Insurance Requirements

cheap car insurance Parma 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 Parma 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 Parma can provide.

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

cheap car insurance Parma 3Public Transportation In Parma

There are 2 airports and 3 Amtrak train stations within 30 miles of the Parma city center. Public transportation is serviced by the Greater Cleveland Regional Transit Authority’s bus system, which runs through Cleveland and its surrounding suburbs. The number of people who carpool to work in Parma is 21% lower than the national average, even though it is one of the best ways to keep down your car mileage, and therefore your insurance costs.