Cheap Car Insurance Youngstown

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cheap car insurance youngstownYoungstown is located approximately 65 miles southeast of Cleveland and 61 miles northwest of Pittsburgh on the Mahoning River. Youngstown is known for its dedication to the art, and one of the nation’s most unique museums, The Butler Institute of American Art, is located north of the downtown area near Youngstown State University. The University is the largest employer in the city, along with   Vallourec Star Steel Company, and Exal Corporation. The cost of living in Youngstown is 13% lower than the Ohio average, and the cost of housing is 62% lower than the national average. The city has a lengthy tradition of collegiate sports, and supportive fans and visitors can frequently be the cause of major traffic congestion. This is why it is important to explore all the options for cheap car insurance Youngstown has available, as well as any discounts you may qualify for.

Youngstown was a haven for organized crime for many years, so the city increased measures to stop the influence of organized crime on all sectors of the city. The overall crime rate in Youngstown is 82% higher than the national average, but year over year crimes have decreased by 6%. There are a total of 196 Youngstown police officers, and the department works closely with Neighborhood Groups and Community Development Corporations. This helps draw the community together and lower the risk of theft and property damage, which in turn help keep down the cost of insurance.

Youngstown Insurance Requirements

cheap car insurance youngstown 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 Youngstown 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 Youngstown can provide.

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

cheap car insurance youngstown 3Public Transportation In Youngstown

The number of people who carpool to work in Youngstown is 9% higher than the national average, which is a great way to keep down your cars yearly mileage. The Youngstown area is served by the Western Reserve Transit Authority (WRTA) bus system, which is supported through Mahoning County property and sales taxes. WRTA, whose main terminal is in the downtown area, provides service throughout the city and into surrounding Mahoning and Trumbull counties. The downtown terminal serves as the Youngstown area’s Greyhound terminal.