Cheap Insurance Columbus

The Discovery City

 

Columbus, Ohio is a large city with over 860 thousand people.

It holds its charm by being  a riverfront town with tall skyscrapers and a laid back feel.

You truly can get the best of both worlds here in Ohio.

A large city with tons of amenities but the rural feel summed up in people’s personalities.

People here have passion for their city and love sports, they are eclectic and fun loving.

You can find many wonders in the discovery city.

Check out the University of Ohio and walk downtown for a great place to eat.

Situated on a river,  Ohio landscape is truly beautiful and the rover gives people extra options for recreation.

Smack-dab in the middle of the state, Columbus is the 14th largest city in the United States and puts Ohio on the map.

A swing state, you can find people of every different political stand point.

Money Magazine called Columbus one of the best 6 big cities to love and named it Ohios number one place to live.

It is obvious why people settle down in Columbus.

The job market is great, and the housing market is affordable.

There is a very diverse economy from education and technology to chemical research.

Small business still thrives but you can also find the large, chain stores in town.

If you are commuting into Columbus from an outside suburb, you will need car insurance to protect you.

And if you are hoping to settle down here and purchase a home, you will want homeowners insurance.

Get the cheap insurance Columbus residents want when they choose to live here.

 

How Can I Get The Best Insurance In Columbus?

 

The best way to find a great deal on insurance in the Ohio area is to talk with a broker.

A broker is a professional who can help you attain the best rates and discounts out there.

They are able to do this by tapping into their large network of providers.

The broker works for you, the consumer and not the insurance company.

You will also want to look into the laws of your state because every state is different.

There is a minimum amount of insurance needed for cars and motorcycles.

When you want more discounts, think about how you could be a safer driver or protect your home better.

These things will ensure that you keep low rates.

Get an idea of what you need by asking a helpful representative.

Let’s see what kinds of insurance policies you might be looking for.

 

Insurance Requirements Columbus

Car Insurance

 

Car insurance is mandatory in the state of Ohio.

And like most states you will need to have more than just insurance to stay safe.

In order to drive you will need a valid drivers license and current registration.

Make sure you keep these on hand whenever you drive.

If you have a loan out on your car you will need full coverage.

To know more about how the car insurance amounts work, talk with a broker today!

Get your cheap car insurance Columbus style and have full coverage.

 

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

 

For full coverage you will need this:

 

  • 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.
  • If you are financing a car, most banks or lending institutions will require comprehensive and collision coverage (usually not to exceed a $1,000 deductible)
  • Rates can vary depending on frequency of use, length of commute, territory, etc.
  • Rates can depend on the city you live in and the amount of miles you drive your vehicle.

 

When you wan the best deals in town, talk with a helpful representative.

You can have an instant free quote by clicking on the link button below.

 

Car Quote

 

Motorcycle Insurance

 

When you are looking for better ways to protect yourself and your bike, you need great insurance.

Not only is motorcycle insurance mandatory in the state of Ohio, but it will be a sure fire way to keep your wallet intact.

Get the best policies around when you talk with a broker about your needs.

Most riders choose to have full coverage because this will cover their own bike and damages when they are in an accident.

And let’s face it, a motorcycle can be dangerous.

Every time you are out on the road you are at risk.

Get the cheap motorcycle insurance Columbus riders want.

 

Here is the minimum amount of motorcycle insurance you will need:

 

  • $25,000 of bodily injury liability per person
  • $50,000 of bodily injury liability per incident
  • $25,000 of property damage liability per incident
  • Rates can vary depending on frequency of use and the “riding season.”
  • Mopeds are vehicles with two or three wheels (can be propelled by pedals) with a maximum speed of 30 mph and an engine with less than 50 ccs.
  • All cycles with more powerful engines and a faster maximum speed are classified as motorcycles/scooters (i.e., Vespas).
  • You will still need to have your current proof of insurance and registration when riding. If you get pulled over, just like in a car, you will need to show these items. Most riders choose to have a special compartment on their bike where they can store this. Others wear in on their person.
  • Motorcycle insurance does not always cover custom bikes. Talk to our representatives to find out more details on this.

 

To find out more about how to save money on your policy call us today.

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

 

Cycle Quote

 

Homeowners Insurance

 

Purchasing a home in Columbus is a huge investment.

It is a solid investment as well as the real estate market here is flourishing and affordable.

When you are looking for that perfect house, make sure you have great insurance to protect it.

This is the largest purchase of your life most likely.

You will want to know the ins and outs of how homeowners insurance works.

It is not a la win the state of Ohio, that you need to insure your house.

But if you have a loan out on your home your lender will most likely require you to have it.

That is when talking with a broker comes in handy.

Get the cheap homeowners insurance Columbus buyers want to feel protected.

You can have a great policy and receive discounts.

 

How does homeowners insurance work?

 

  • 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.
  • You have a few different types of coverage: a cash value coverage, a replacement cost coverage and a guaranteed or exceeded cost coverage.
  • Not every type of damage is covered by homeowners insurance. Ask your agent if you have something specific you would like covered.

 

Add these things and save:

 

  • Monitored home alarm system- having an alarm system could deter burglaries and looks great to insurance companies.
  • Doors fortified with security locks- having a deadbolt lock is a sure-fire way to save you money.
  • Smoke detectors- this is not only a super safe idea for your family but could literally save lives.
  • Sprinkler system- these are more expensive to install, however this could save you money and pay off if something in your home catches fire.

The best part about protecting your home is the fact that you can live worry free.

 

Home Quote

 

Life Insurance

 

When you have life insurance you are protecting those you love most when you are no longer around.

Life insurance is the gift that gives when you are gone.

Even though it is a hard topic to talk about, you really need to.

Talking first with your family, and then your financial advisor and finally a broker will make it easier.

Life insurance can be used to pay for funeral expenses, debts, mortgages and much more.

Get the cheap life insurance Columbus families deserve.

If you want to protect those you leave behind with financial stability, then there is not better time to get life insurance.

 

How do I know if I need life insurance?

 

  • If you have anyone in your life that depends on you financially for any reason, you need cheap life insurance.
  • If you area spouse or a parent of a child, when you pass, you will leave them with all of tour financial obligations. Make sure they are in situation where your debts don’t become their burdens.
  • Sometimes business require life insurance. Maybe you are a business partner and other people rely on you, life insurance can cover costs you may owe.
  • If you are a child of a dependent parent that you solely care for, you will need life insurance.
  • If you are the sibling to a dependent adult who you care for or pay for, you will need life insurance.
  • Life insurance doesn’t just mean covering costs after death. It means helping those who are mourning a loved one.
  • Even if you are single, with no children, you should have life insurance. You may not have to leave a college fund for anyone, but your debts and obligations still need to be paid for.

 

When you are ready to talk more, call a broker who can get you the best deal on life insurance.

Your family will appreciate your diligence to protect them.

The best way to do this is to get your free quote now!

Life Quote

 

Health Insurance

 

Health insurance is mandatory in the United States.

To get the best health insurance, you need to understand why it is so important.

You might be a healthy person who eats well and stays fit.

You will still need to see a doctor from time to time.

Getting the best health insurance means talking to someone who knows what you need.

You could have a great doctor you trust for a price you can afford.

Get the cheap health insurance Columbus individuals and families want.

The best thing you could do for your family is talk with a doctor about your health.

You can get free preventative screenings even without coverage.

What is health insurance and how does it 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%.
  • Costs can vary wildly between policies. With our national network of Health Insurance Professionals we can help you find all the possible discounts available to you. Knowing what is out there will help you get the most for your money, and at CheapInsurance.com we’ve been helping customers do just that since 1974.
  • The simple way to look at healthcare is that it is there for you when you need it but you still have to pay for it when you don’t.
  • Medical Payment Coverage: Covers payments of medical expenses such as ER Visits, and Ambulance transportation associated with an auto accident. There is usually a set monetary limit on this coverage.

 

Health Quote

 

Renters Insurance

 

When you own a home, there is a lot of responsibility that goes into it.

Renting can be a little bit easier.

But you will still want to protect your rental from theft, damages, and liability.

IF you rent and someone is bitten by your dog, for example, you better have liability insurance.

This is one case when insurance can save you from a lawsuit.

The home you live in is important to you no matter if you own it or just rent it.

Get the cheap renters insurance Columbus tenants need to feel secure in the house in which they reside.

You will be happy you talked with a broker about ways you can save.

You could have a great policy for as little as $20 a month.

  • A landlord’s insurance policy may not cover theft and damages. You will want to have your own. Most landlord’s insurance policies cover damages to the structure due to negligence. If you do not have renters insurance, you may have to pay out of pocket.

 

Renters Quote