Are you looking for a quick and easy way of obtaining Cleveland car insurance? A Cleveland auto insurance policy will protect your investment and wallet in case of unseen future events such as damages to your vehicle through an accident. You can get started right away with some free insurance quotes to see what policies and plans are out there for you.
On the other hand, if you’re new to the whole insurance game and live in Cleveland, you may benefit from reading the rest of our guide to Cleveland auto insurance. Learn about where you can find agents, typical auto insurance rates and most importantly of all Ohio insurance laws. All of these things can come in handy when shopping for a new car insurance policy.
Cleveland Auto Insurance Agents
Cleveland Allstate Insurance Agents
Allstate has 7 agents selling insurance on their behalf in Cleveland.
Cleveland Farmers Insurance Agents
Farmers Insurance only has two agents in Cleveland, although they do have more further out.
Cleveland Geico Insurance Agents
Geico has a single agent for all of Cleveland.
Cleveland Progressive Insurance Agents
Progressive works with 10 separate agents/brokers/agents in Cleveland, which makes them one of the largest insurance companies in the city.
Cleveland State Farm Insurance Agents
State Farm has 3 agents for the city of Cleveland itself. It does also have agents in Cleveland Heights, Lakewood, Parma, Independence, Rocky River and South Euclid.
Your insurance agency not listed? If you own an insurance agency that operates in Cleveland and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
Typical Cleveland Auto Insurance Rates
According to our car insurance state ranking calculations, Ohio is the 6th cheapest state to buy insurance. However, the price of insurance always rises when you live in a big city, due to increased accident rates and the higher risk of theft.
CarInsurance.com has found that the average car insurance premiums in Cleveland are $1,264 per year. This a couple of hundred dollars more a year than the Ohio state average, but still significantly below the rates found in the US as a whole. You can get more accurate information based on your driving history, age, etc. from the Sample auto insurance premium comparisons from the Ohio Department of Insurance.
Driving In Cleveland? Check Out These Tips
One reason why auto insurance in Cleveland is relatively cheap for a city its size, is that traffic is not as bad as other major urban areas. According to the INRIX National Traffic Scorecard the city ranks as the 31st most congested, yet is the 26th largest metro in the country. None of the top 1000 worst traffic corridors or bottleneck’s can be found in the city.
According to the Allstate America’s Best Drivers Report, you can expect to get in an accident once every 10 years, more or less inline with the national average for the US’ biggest cities. The only area of concern are the number of fatal accidents. According to the National Highway Traffic Safety Administration, Cuyahoga County had the second largest number of fatal accidents in Ohio with 63 in 2010. Unfortunately, unlike many other parts of the US, this number has not fallen significantly in the last 5 years.
Ohio Car Insurance Laws
Another reason for Cleveland’s low auto insurance rates, has to do with the laws governing auto insurance for the whole state of Ohio. The state has some of the lowest requirements for insurance of any state in the country. The Ohio Financial Responsibility Law says that: “The law requires financial responsibility in the minimum amount of $12,500 for bodily injury to or death of one (1) individual in any one (1) accident, $25,000 for bodily injury to or death of two (2) or more individuals in any one (1) accident, and $7,500 for injury to the property of others in any one (1) accident.”
Thus unlike many other states, you are not required to purchase additional types of coverage over and above the liability coverage types and amounts listed above. The other main thing you should know is that Ohio is an at fault state, with modified comparative negligence being used to determine fault. In an accident, this means your degree of fault determines how much you can claim back from the other party as long as your fault remains below 50%.
If ever in doubt about Ohio car insurance laws, please speak to a licensed insurance agent (see listings above). They are the only people allowed by law to give insurance advice.
Cleveland Auto Insurance Quotes As A Way Of Saving Money
You may have something on your mind right now, you may be thinking that Cleveland car insurance comes with a hefty price tag. You may even feel that you do not have the extra money for it. That may be right, but there is a way you can get a Cleveland auto insurance policy at a reasonable price, while still being comprehensive enough to meet all your wants and needs.
What you can do to get a cheap Cleveland car insurance policy, without having to spend too much on premiums, is to go online and get car insurance quotes from insurance brokers, agents, companies and comparison websites. Doing this will enable you to choose the best insurance policy with the right premium price.
Remember that you are not just looking for the cheapest insurance policy; you are looking for the policy that gives the most benefits at the most reasonable price. If you’re worried about getting an online car insurance policy, stop fretting because they are more reliable than ever.
Also, when you go on the Internet to look for the best Cleveland car insurance policy out there, you will be able to compare the policies and premium prices from multiple companies. The best thing about this is, you can do it in the comfort of your own home. You’ll be able to get your quotes instantly, as all the process requires is a simple click of a button. So start your search today for the best auto insurance policy in Cleveland: