Getting Columbus car insurance quotes is a good way to get the coverage you need at the price you want. The reality is that if you live in Columbus, you simply can’t live without a vehicle of your own. However, you need to get the appropriate insurance coverage, so that you’ll be free from worries if and when you get involved in a vehicular accident.
In a place where almost everyone has cars, you can’t really risk not having car insurance for your ride. This article will walk you through the things that you need to know regarding Columbus, OH car insurance.
Columbus Auto Insurance Agents
Getting online car insurance quotes is the best way to buy an insurance policy in Columbus. Still there are some service only an agent can provide. For that reason we’ve provided links to some of the larger insurers in the Columbus area.
Allstate currently has 18 agents in Columbus itself and another 42 in places such as Grove City, Gahanna, Westerville, Dublin, Reynoldsburg, Hilliard, Powell and more.
Farmers Insurance has 9 agents in Columbus and a further 40 within 25 miles of the city center.
Geico has one office in Columbus that is open 6 days a week.
Progressive works with 10 different insurance agencies and brokers in the greater Columbus area.
State Farm is the leader in Columbus auto insurance agents with 38 agent located within the city boundaries and many more just outside.
Your insurance agency not listed? If you own an insurance agency that operates in Columbus 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.
Average Columbus Car Insurance Rates
The good news is that buying auto insurance in Columbus is cheaper than many other large urban centers. CarInsurance.com reports that in 2011 the average quoted price for a policy is $1,307 per year. This is higher than the Ohio state average ($942) but lower than the national average ($1,414). Of course by getting instant car insurance quotes you can know for sure which company is going to offer the cheapest rate to you.
Columbus, OH Driving Information
Driving can be fun when you’re going where you want to go and miserable when you’re stuck in traffic. Like all urban areas Columbus has it’s fair share of traffic. The good news is that Columbus residents actually have it better than many other cities of the same size. The INRIX National Traffic Scorecard ranks the city as 41st worst for traffic, yet it is the 32nd biggest metro area in the country. It has none of the worst traffic corridors in the country, which is small comfort when stuck in traffic.
The solution of course is to avoid traffic before you get to it. There are several resources online that help you do this including 10TV News and Google Maps. Avoiding traffic will not only save you time and money, but could even help keep you accident free. Fewer accidents means lower insurance rates.
Ohio State Auto Insurance Laws
Columbus car insurance follows the minimum requirements set by Ohio state law. A minimum limit of $12,500 per person coverage is required for bodily injury liability coverage, with a minimum limit of $25,000 per accident. In terms of property damage liability, you have to make sure that your coverage is at least $7,500. This is known as 12.5/25/7.5 coverage.
Keep in mind that you are strongly encouraged to get more coverage than the minimums outlined above. Moreover, you should also consider additional forms of insurance such as Uninsured/Underinsured driver coverage and collision coverage.
Another important consideration in regards to Ohio car insurance is that it follows the tort system, wherein the one who shoulders the responsibilities for the damages caused by an accident is the one who is at fault. They along with their car insurance company (assuming they’re insured) will pay the damage costs.
This is only a brief summary of everything you need to know. If you have further queries about the tort system, or if you have other car insurance questions, you should visit either the Ohio Bureau of Motor Vehicles and/or the Ohio Department of Insurance.
Your Columbus Car Insurance Quotes
Now that you know more about how auto insurance works in Columbus and Ohio as a whole, you’re ready to get instant car insurance quotes. Quotes are a great way to make sure you’re getting a fair deal from your insurer. Each company prices risk differently and may prefer a certain type of client over others. Therefore, it is in your own best interest to periodically get Columbus insurance quotes.
All you have to do is enter your zip code below and follow the simple on screen instructions. You’ll be presented with a list of companies who want to offer you their best rates today. Simply choose one or more to find out more information about their auto insurance policies.