It’s been estimated that as many as twenty percent of the drivers in Ohio aren’t insured. For someone who is involved in a collision with one of them, it can mean a financial headache in addition to a damaged automobile. When you are looking for a full coverage automobile insurance quote in Ohio, consider getting uninsured motorist coverage.
This type of coverage isn’t considered mandatory but it provides valuable protection in the event you are hit by another driver. This coverage pays for your vehicle repairs as well as any medical expenses you may be facing as the result of injuries. Ask for this coverage to be included in the quote when you contact new insurance companies. Many agents already do add it on when giving a potential customer a quote for a policy, but it’s important to ensure that the agent knows you want it.
If you recently purchased your automobile and you had to take out financing, you will need comprehensive and collision coverage. Some financing companies will try and sell you their own type of insurance coverage that is called forced placement. This essentially just protects their investment, which is your car. The problem is that you’ll be required to pay for it and it’s often incredibly expensive. A better alternative is to ask for ample comprehensive and collision coverage in your full coverage automobile policy.
You can certainly still take advantage of any discounts you may be eligible for even when taking out a full coverage automobile insurance policy. Safety devices such as car alarms and indoor parking facilities, as well as driver’s training courses, often are viewed by insurance companies as positives. You can often enjoy a percentage discount if you fall into either category. Ask about any available discounts when you call to get a quote.