Auto insurance
We value your happiness, even more than your vehicle.
Ohio’s best insurance rates (and people) live here.
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Our ‘People-First’ Promise
In minutes, we get to know you better.
We do this by phone, email or video chat.
In record time, we unlock your best insurance options.
We review all of our 20+ insurers for your best rate and coverage.
In simple language, we present the ‘right for you’ option.
We provide your proposal in the way you prefer, minus the ‘sales pitch’.
At every turn, you work with real people, who care.
From beginning to end (and everything in between), we have your back.
Ohio Auto Insurance
Vehicles are a great convenience until people get surprised with unexpected costs or accidents. A broken windshield, a collision with a deer in the road, a fender-bender, or a theft – that’s when frustration often sets in for uninsured drivers. That said, unexpected insurance rate increases might be even worse, especially when you don’t see them coming.
Minimum Mandatory Ohio Auto Insurance Policy Coverage
Ohio has what is known as a “fault” system of insurance coverage. It’s illegal to drive a motor vehicle without insurance or proof of financial responsibility, such as a Surety Bond or a state-approved certificate. Driving without required Auto Insurance in Ohio can result in a variety of potential penalties, including license suspension, fines, and even vehicle impoundment.
Property Damage Liability and Bodily Injury Liability are the mandatory minimum coverages in the state of Ohio. If you’re at fault in an accident and the costs exceed the limits of your minimum coverage, you can be held responsible. The state says your home, car, and other assets could be taken away from you, or your present and future wages could be garnished to pay for these costs.
Find The Right Ohio
Auto Insurance
– At The Right Price.
TV and social ads always make it sound like the cheapest Auto Insurance is the best way to go – because often it’s the biggest pain point drivers without an accident have experienced. In most cases, it’s important to have coverage that extends beyond the minimum. Cheap insurance can leave you dangerously exposed. Consider common optional coverages, like collision and comprehensive.
Our Hitchings Insurance team work to find ways to minimize your costs through bundling multiple policies and securing discounts, such as for multiple vehicles, safe drivers, and security devices. We’ll explore other ways to reduce costs that might be right for your circumstances, such as higher deductibles. We also review rates from our 20+ insurers which literally insures you get some of the best rates at any given time.
Boosting Your Coverage With Umbrella Insurance
Many of our clients with auto policies also choose to boost their coverage with an Umbrella Insurance policy (which costs very little). This type of insurance applies to all your personal policies, providing added protection.
To learn more about our ‘People Before Policies’ approach – complete and submit a free quote request – or call us at 419-423-9145.
Looking to understand more about auto insurance?
