If you're shopping around for a new policy or buying a new car, you might be wondering how much car insurance you need. Should you get enough to replace your vehicle if it's totaled? What if you're injured by a driver who doesn't have auto insurance? As Ohio Insurance Center Agency in Cincinnati explains, insurance consists of several policies, each of which has different limits.

Liability Auto Insurance

Every state requires each driver to carry a minimum amount of liability insurance to pay for any injuries or accidents they cause. In Ohio, you need at least $25,000 per injury victim, totaling $50,000 per accident, with a minimum of $25,000 in property damage. However, car accidents can be enormously expensive, so most experts recommend you carry liability insurance equaling the total value of your assets.

Comprehensive & Collision Coverage

Comprehensive coverage will pay for everything that happens to your car off the road, like floods and falling tree limbs, but what about damages to your own car in an accident you cause? Collision auto insurance will take care of it — just make sure you have enough to pay off the loan, not just replace the car. Otherwise, you could find yourself still making payments on the car, even after it's totaled.

Uninsured Motorist Insurance

Accidents caused by uninsured motorists can be extremely damaging. While you're free to file a lawsuit to collect compensation for your losses, the chances of the liable party having the cash are very low. If this happens, your uninsured motorist insurance will kick and cover your injuries and damage, with limits that are typically related to the amount of liability insurance you carry.

As an independent insurance agency, Ohio Insurance Center Agency offers policies from some of the top insurers in the industry, including SR-22 bonds for high-risk drivers. To learn more about the specific policies available, and to request an auto insurance quote today, visit the website or call (513) 522-6300 today.