Auto insurance
in Ohio

Auto insurance 
in Ohio

Malhotra & Assoc. Insurance Has You Covered

Need Auto Insurance in Ohio?

We all want cheap auto insurance in Ohio, but you also want the right auto insurance when you and your family need it most. This is the goal of every agent at Malhotra & Assoc. Insurance, to design a personalized Ohio auto insurance policy to support you and your family today and in the future. Malhotra & Assoc. Insurance is an independent insurance agency, which is very important. While other agencies only sell one type of Ohio auto insurance, we work with the biggest and best auto insurance companies, allowing us to personalize and find the very best Ohio auto insurance policy for you!

Since you are here, we assume you are looking for an Ohio auto insurance quote. Before you decide on your next Ohio auto insurance agency, we recommend you consider the following to ensure you find the right auto insurance policy for you.

  1. Consider Your Coverage – Make sure your insurance agency understands Ohio’s specific insurance requirements as well as what type of insurance coverages you are looking for, like collision or comprehensive. This is why working with a local insurance agent like Malhotra & Assoc. Insurance is so important. We have seven local offices all across Ohio: Ashland, Cincinnati, Columbus, Hillard, Mansfield, Piqua, and Saint Marys, Ohio.
  2. Learn Your Limits – Find an insurance agency that will take the time to understand your personal wants and needs and knows Ohio auto insurance laws when determining the coverage which is right for you.
  3. Determine Your Deductible – Ensure your insurance agency has the flexibility to work with all the largest auto insurance providers to find the best auto insurance coverage with a deductible you and your family can afford.

Malhotra & Assoc. Insurance agents are Ohio auto insurance experts and are here to advise you on all of your important auto coverage decisions. Contact us today for a risk-free auto insurance quote and to answer all of your questions.

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Ohio Auto insurance

Frequently Asked Questions

When it comes to auto insurance in Ohio, we tend to get the same questions often.

How Often Do You Pay Auto Insurance?

Drivers pay for auto insurance with monthly premiums or annually; whichever fits your budget.

How Do Auto Insurance Deductibles Work?

When you file an auto insurance claim, the deductible is the amount you will pay for the damages before your auto insurance company will cover the rest.

Get Insured Today with Malhotra & Assoc. Insurance

Auto insurance doesn’t have to be expensive. Malhotra & Assoc. Insurance will make sure you don’t have to break the bank to pay for crucial coverages. Working with top carriers, we will find and develop a policy that fits you, your vehicle and your wallet. Give us a call today or visit us at one of our locations!

Ohio Auto Insurance State Requirements

In Ohio, drivers need to carry a minimum of $25,000 in bodily injury liability per person and $50,000 per occurrence. You also need a minimum of $25,000 in property damage liability insurance.

What Does Basic Auto Insurance Cover?

The above highlights the basic requirements for auto insurance in Ohio. These are the minimum limits that you need to buy before you can legally drive in Ohio. In the event you are found to be at-fault for a collision with another vehicle, then these basic liability requirements will pay out for the medical bills of the driver and their passengers, along with damage to their vehicle or any other personal property of the other party.

In the event, you are faced with expensive or extensive repairs, or continued medical expenses, basic coverage might not be enough to cover these expenses. As such, opting for additional coverage can give you peace of mind knowing that there is additional coverage for such elevated expenses.

Comprehensive Coverage:

Comprehensive coverage covers damage or loss to your vehicle due to fire, wind, hail, theft, vandalism and more.

Collision Coverage:

Collision coverage covers damage or loss to your vehicle due to a collision with another vehicle or object.

Personal Injury Protection:

Personal Injury Protection (PIP) helps with medical expenses for you and your passengers after an accident, no matter who is at fault.

If you’d like to look at the options, our friendly team can tailor a quote based on your needs, and we can help you explore different pricing scenarios for auto insurance coverage in Ohio.

How Much Does Auto Insurance Cost in Ohio?

There are many factors that go into the cost of your auto insurance rates. Typically, your rates are determined by the assumed risk. Those drivers who are more likely to file an insurance claim usually pay more for their auto insurance.

Factors that influence your auto insurance rates include:

  • Age
  • Gender
  • Marital Status
  • Deductible
  • Location
  • Driving Experience
  • Occupation
  • And more

 

For example, male youths will tend to pay the highest rates for auto insurance because they’re statistically more likely to speed and drive recklessly.

Ohio Auto Insurance Discounts

If you want to save money on auto insurance in Ohio, our team can help you find the best policy, while providing affordable insurance with any relevant discounts. One of the best ways to reduce the money you spend on your auto insurance is to bundle your policies together with your home insurance, life insurance, or even your business insurance. The more lines you cover under one policy, the more of a discount you will see on your annual premiums.

More Frequently Asked Questions about Ohio Auto Insurance

How Do Auto Insurance Claims Work?

After an accident, you can file an insurance claim by calling your insurance company. An adjuster from the insurance agency will evaluate the damages and then offer compensation for repairs.

Why Does Auto Insurance Increase?

Auto insurance increases for a range of reasons. At-fault wrecks, severe traffic violations, and multiple claims or tickets may cause your rates to rise.

Contact Us Today for an Ohio Auto Insurance Quote

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