Like most states, Ohio has minimum auto insurance coverage requirements. To register or operate a motor vehicle in the state, you must purchase a car insurance policy that includes at least $25,000 in bodily injury liability per person, at least $50,000 in bodily injury liability per accident, and at least $25,000 in property damage liability per accident. The precise rate you will pay for such coverage depends on a variety of factors, which the independent agents at Kramer-Myers & Werring-Dickerson Insurance in Batavia explain below.

5 Factors That Affect Your Car Insurance Rates

1. Age & Gender

In general, younger motorists pay more for auto insurance than older drivers, and men usually pay more than women. Young men typically pay the most for coverage because they are statistically more likely to be involved in a collision than members of any other demographic. 

2. Vehicle Make & Model

When calculating base coverage rates for any given vehicle, insurance companies consider a variety of factors. Such factors include the car’s safety rating, susceptibility to damage, likelihood of getting stolen, and total cost of replacement.

3. Marital Status

Insurers have determined that customers who are married get in fewer collisions, and therefore file fewer claims than those who are single. As a result, married individuals can expect to pay slightly less for coverage than their unmarried counterparts.

4. Driving History 

If you have already filed multiple accident claims or received several speeding tickets within a fairly short period of time, you’ll probably pay more for insurance than someone who has a fairly clean driving record. More serious violations, like driving under the influence of alcohol, can affect premiums for up to a decade following a conviction. 

5. Location

Both where you live and where you plan on driving the most will affect coverage rates. Naturally, living in a neighborhood with a fairly high crime rate will increase your premium, as will working at a job that requires an especially long commute.

If you need auto insurance quotes in Ohio, turn to Kramer-Myers & Werring-Dickerson Insurance in Batavia. After discussing your coverage needs, their independent agents will help you find the best auto insurance policy possible for your particular situation. Follow them on Google+ to learn more about the unparalleled personalized service they provide. You can request a quote by filling out the contact form on their website or by calling (513) 732-1461.