When you close the deal on that new car, you need auto insurance for it. Drivers often ask these questions before purchasing coverage. Here’s what you need to know when shopping for the best car insurance rates.

Common Auto Insurance Questions

Do I need car insurance?

Yes. Ohio law requires all drivers to carry insurance on their vehicles. You must have a policy for at least $25,000 for death or injury of one person, $50,000 for the deaths or injuries of two or more people, and $25,000 for property damage in an accident.

What happens if I get caught driving without insurance?

If you fail to show proof of insurance in situations such as a vehicle inspection stop or when a police officer issues you a traffic citation, the state suspends your driver’s license until you show proof of insurance and pay a $100 reinstatement fee.

On a second offense, the license suspension lasts for one year. If you are in an accident, additional penalties can be imposed by courts, including longer suspensions, fines, and jail time.

What factors affect the cost of my insurance coverage?

Car insurance companies calculating a motorist’s coverage rates consider the motorist’s driving record as the most significant factor. A good driving history helps keep your premiums low.

Insurers consider many other factors, including your age, time you spend on the road, credit history and score, and type of vehicle you drive.

Can I insure more than one person on my policy?

Yes, it is common to cover multiple drivers on the same policy, such as family members in your household who drive. Covering additional drivers may get you a more favorable rate than with single-driver coverage. Your auto insurance agent can give you rate quotes to compare before you decide. 

If you need auto insurance, turn to Somers Agency in Lorain County, OH. They have assisted local drivers in finding the right car insurance coverage, as well as life, home, and business insurance since 1898. For more information about policies and rates, view their products online. To speak to a friendly and knowledgeable agent, call (440) 324-3447.