Cheap Car Insurance Springfield

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cheap car insurance springfieldSpringfield is located on the Mad River, Buck Creek and Beaver Creek, and is about 45 miles west of Columbus and 25 miles northeast of Dayton. Springfield is home to Wittenberg University, one of the most highly rated liberal arts universities in the nation. The cost of housing in Springfield is 47% lower than the national average, cost of living is 11% lower than the national average. John Bryan State Park, and Glen Helen Nature Preserve are just two of the areas bringing in avid hikers and campers. The city is bordered by Interstate 70 and Highway 68, and is bisected by Route 40. This tends to make traffic congestion a constant in the city, so it is important to explore all the options for cheap car insurance Springfield has available. It is a good idea to check in with your insurance company once every six months and make sure you are getting the best rate and that you are receiving all of the discounts you qualify for.

The overall crime rate in Springfield is 137% higher than the national average, however, the 2015 report shows that the year over year crime rate has decreased by 15%. The Springfield Police Department has a total of 143 officers. There are also several specialized units including, the Crimes Against Persons Unit, the Investigations Division, and the Crimes Against Property Unit. They also have a Citizen Police Academy, which is used to educate the citizens of Springfield with the operation of their Police Division and obtain valuable feedback.

Springfield Insurance Requirements

cheap car insurance springfield 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 Springfield 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 Springfield can provide.

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

cheap car insurance springfield 3Public Transportation In Springfield

Springfield City Area Transit (SCAT) provides bus service for the area, and Dial-A-Ride is available for origin to destination service within 3/4 mile of the established fixed route for all citizens. The average travel time to work in Springfield is 23% lower than the national average, and the number of people who take public transportation is 73% lower than the national average. However, the number of people who carpool to work in Springfield is 31% higher than the national average.