Ohio Car Insurance

Additional Ohio car insurance coverages

Opting for additional auto insurance coverage beyond Ohio-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages you might consider:

• Comprehensive (other than collision): Coverage for damage to your vehicle that isn’t the result of a collision with another car or object. This includes damage caused by falling trees or rocks kicked up by other cars. 
• Collision coverage: This coverage helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object. 
• Uninsured/underinsured motorist bodily injury coverage: Provides coverage if you’re injured in an accident caused by a driver who either doesn’t have insurance or doesn’t have enough insurance to pay for your medical bills and other expenses. 
• Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
• Auto loan/lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident. 
• Roadside assistance coverage: Around-the-clock roadside assistance, providing services like jumping dead batteries, towing your car and unlocking car doors.
• Repairing or replacing auto glass: Repair or replacement of your damaged windshield, windows and other auto glass, without a deductible.

Key factors impacting Ohio car insurance rates

There are several factors that impact auto insurance in Ohio, including individual circumstances, geographical location, coverage options and more. Here are some points to consider:

• Driving history: Your individual driving record plays a substantial role in determining your Ohio auto insurance premiums. Drivers with clean records typically pay lower premiums than those with a history of accidents or traffic violations.
• Vehicle type: Your car’s make and model, safety ratings, repair costs and likelihood of theft can influence Ohio car insurance rates. 
• Claims in Ohio: Auto insurance rates may be affected by the claims filed in your state. Higher rates of accidents, theft or other incidents can lead to increased premiums for all drivers in Ohio. 
• Weather patterns: Weather-related incidents impact Ohio car insurance rates, particularly for comprehensive coverage that includes protection against damage caused by the weather.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Save more with Ohio car insurance discounts

Amica offers various auto insurance discounts to help policyholders save money on their premiums.¹ Here are some discounts Ohio drivers may be eligible for:

• Discounts for family
  • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
  • Good student: Policies with full-time high school or college students, ages 16-25, with a “B” average or higher are eligible for our Good Student Discount.
• Discounts for how you drive
  • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
  • Defensive driver training: Taking an approved driver safety course can earn you a discount.
• Discounts for your car’s systems
  • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning.
  • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
• Discounts for how you pay
  • AutoPay: Simplify your payment experience with AutoPay to earn even more savings. 
  • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
  • Paid in full: Save money when you pay the entire balance of your Ohio policy premium up front.

If you’re an Ohio driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, policyholders can save up to 20% with a multiline discount.¹

Facts and figures about Ohio

Fun facts about Ohio:

• The first traffic light in the U.S. was installed on Aug. 5, 1914, at the intersection of Euclid Avenue and East 105th Street in Cleveland, Ohio.²
• In 1912, Ohioan Clarence A. Crane invented Peppermint Life Savers to create a candy that wouldn't melt in the summer like chocolate. He sold the recipe in 1913 to Edward Noble, who later introduced the iconic rolled packaging and tin foil.²
• Court Avenue in Bellefontaine was the first concrete street in the U.S. and remains in use today. It was poured in 1891 near the Logan County Courthouse and features a statue of George W. Bartholomew, who petitioned for the street to be paved and founded the cement company that poured the concrete.²

Facts about driving in Ohio:

• Residents have access to Ohio Bureau of Motor Vehicles Express kiosks for renewing or printing their vehicle registrations. These kiosks are primarily located at BMV offices and grocery stores.³
• The Ohio BMV offers a chat feature on their website that enables users to reach out to agents regarding license plates, vehicle title services, identification and other related matters.³
• To obtain a permit in Ohio, applicants must pass a knowledge test with a minimum passing score of 75%. If taking the test online, it must be completed on a computer or laptop with a webcam, and an adult must be present if the applicant is under 19.³

With Amica, Ohioans can hit the road with confidence, knowing they’re prepared for any situation that may arise.