Cheap Car Insurance Toledo

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cheap car insurance toledoToledo is in northwest Ohio, at the western end of Lake Erie, well known as a city with an enthusiastic art community, auto assembly businesses, education, healthcare, and local sports teams. Toledo is also know for it’s many auto and glass industries, earning it the nickname, “The Glass City”. Downtown Toledo has recently supported significant redevelopment to draw residents and visitors. It hosts the Toledo Walleye ECHL ice hockey team, and the Toledo Crush of the Legends Football League, and is the site of live performances of musicians and bands, and World Wrestling Entertainment. Major local highways include I-75, I-80, and I-90, and are frequently congested with traffic. This makes it important to understand all the options for cheap car insurance Toledo has available, as well as any discounts you may qualify for.

The overall crime rate in Toledo is 96% higher than the national average, and in 2013, the city was ranked 89th out of the Top 100 Most Dangerous Cities in America. There are a total of 674 Toledo police officers in Toledo, and the department includes an Investigative Services Division. This division has two main bureaus that specialize in property crimes, crimes against persons, sexual assaults, vice narcotics, gang affiliations, and crime scene evidence collection.  As with many parts of the Toledo Police Department, civilian personnel work side by side with sworn officers. A strong police force is important in order to lower crime risk and keep insurance costs down.

Toledo Insurance Requirements

cheap car insurance toledo 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 Toledo 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 Toledo can provide.

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

cheap car insurance toledo 3Public Transportation In Toledo

Local bus service is provided by the Toledo Area Regional Transit Authority; commonly shortened to TARTA.  Megabus also provides daily trips to Ann Arbor, Chicago, Cleveland, Detroit, and Pittsburgh. Toledo has various cab companies within its city limits and other ones that surround the metro. The number of people who take public transportation in Toledo is 60% lower than the national average.  Utilizing public transportation is highly recommend, because lowering the miles you put on your car each year can lower your auto insurance rates a great deal.