Bodily Injury Liability
Pays for other people's injuries when you are at fault — their medical bills, lost wages and your legal defense — up to the limit you choose. This is the coverage that stands between an accident and your savings.
Personal Insurance
Auto Insurance
Coverage for the cars, trucks and drivers in your household — from the state minimum to the protection we would put on our own vehicles.
Ohio minimum liability$25k / $50k / $25k
Ohio minimum liability$25k / $50k / $25k
Typical policy term6 or 12 months
Gap we find most oftenLow uninsured motorist limits
Overview
What auto insurance does
Ohio requires every driver to carry liability insurance, but the state minimum is only a starting point. One serious at-fault accident can run well past those limits, and everything above them comes out of your own pocket. A policy built by an agent looks at what you drive, who drives it, how far, and what you have to protect if a claim goes badly.
Because we are independent, we can rate your household with more than 20 carriers at once. That matters most when there is a young driver on the policy, a mix of personal and work use, an older vehicle you are deciding whether to keep full coverage on, or a ticket or accident in the last few years — situations where prices swing widely from company to company.
We also make the boring parts easy: adding a vehicle the day you buy it, sending proof of insurance to a lender, swapping a driver on and off the policy when a student leaves for school, and walking you through a claim when something actually happens.
What's typically included
The parts of an auto policy
Every carrier words things a little differently, but nearly all auto insurance policies are built from these pieces. Knowing what each one does makes it much easier to tell a good quote from a cheap one.
Property Damage Liability
Pays to repair or replace what you damage in an at-fault accident: another vehicle, a fence, a mailbox, a garage door or a storefront.
Collision
Repairs or replaces your vehicle after a collision with another car or an object, regardless of who was at fault, minus your deductible.
Comprehensive
Covers damage that is not a collision — hail, falling limbs, fire, flood, theft, vandalism, and the deer that steps out at dusk. Deductibles are usually lower than collision.
Uninsured & Underinsured Motorist
Steps in when the driver who hit you has no insurance or nowhere near enough of it. It is one of the least expensive lines on the policy and the one we most often find set too low.
Medical Payments
Pays medical bills for you and your passengers after an accident no matter who caused it, usually with no deductible and no wait for a liability decision.
Worth asking about
Add-ons and endorsements
These are not on every policy by default. Some cost a few dollars a year, and they are frequently the difference between a claim that is covered and one that is not.
Roadside Assistance & Towing
Towing, jump starts, flat tire changes, lockout service and fuel delivery, typically for a few dollars per vehicle per term.
Rental Reimbursement
Pays for a rental car while your vehicle is in the shop for a covered claim, up to a daily and total limit you select.
Loan / Lease Gap Coverage
If your vehicle is totaled, pays the difference between what you still owe and what the vehicle was actually worth. Worth having on most financed vehicles in their first few years.
New Vehicle Replacement
Replaces a totaled late-model vehicle with a comparable new one instead of paying depreciated value. Availability and eligibility vary by carrier.
Full Glass Coverage
Repairs or replaces windshields and side glass with a reduced or waived deductible — useful on vehicles with sensors built into the windshield.
Custom Parts & Equipment
Insures lift kits, wheels, toppers, audio systems, wraps and other aftermarket add-ons that a standard policy values at nothing.
OEM Parts Endorsement
Requires manufacturer parts rather than aftermarket parts on covered repairs, which some newer vehicles and leases effectively demand.
Ways to save
Discounts we look for on every quote
Price should never be the only reason to pick a policy, but there is no reason to overpay for the coverage you want. These are the credits we check before we present anything to you.
See What You'd Pay- Bundling auto with home, farm or life at the same carrier
- Insuring more than one vehicle on the same policy
- Paid-in-full, paperless and automatic payment credits
- Good student and driver training discounts
- Defensive driving and mature driver course completion
- Raising collision and comprehensive deductibles
- Telematics and safe-driving programs, where offered
- Claims-free and continuous coverage credits
Common questions
Auto Insurance FAQs
The descriptions on this page are general summaries of how these coverages usually work. They are not a contract and do not amend any policy. Availability, wording and limits vary by carrier — your issued policy governs what is covered.
Keep exploring
Coverage that often goes with this
Home Insurance
Protection for the building, everything inside it, and the liability that comes with owning it.
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Recreational Insurance
Boats, campers, RVs, motorcycles, ATVs, golf carts and collector cars — insured for how you actually use them.
Learn more
Life Insurance
A plan that keeps your family, your farm or your business financially steady if something happens to you.
Learn moreFree quote
See what the right coverage actually costs
Send us a few details and an agent will compare your options across our carriers. No cost, no obligation, no automated runaround.