Auto Insurance in Cincinnati, OH

Cincinnati’s urban layout leads to heavy traffic, particularly during rush hours, which raises the risk of accidents, property damage and collisions. Having the right auto insurance is crucial. The R.M. Price Insurance Agency is dedicated to finding the ideal policy.

What Does Auto Insurance Cover?

Depending on the policy you choose, your coverage will vary. Here are some of the most common coverages:

• Liability insurance—If you are at fault in an accident, this may help insure you against damage you cause others. Most states, including Ohio, require drivers to carry minimum liability insurance, which includes:
• Bodily injury liability—This coverage may pay for medical expenses and sometimes death benefits for other people involved in an accident where you are at fault.
• Property damage liability—It can cover damage to the other driver’s property caused by your actions.
• Collision insurance—This can help cover damage costs to your own vehicle if you’re involved in a collision with another object or vehicle.
• Comprehensive insurance—This may protect your vehicle from noncollision-related damage, such as theft, vandalism, weather events and animal-related incidents.
• Medical payments insurance—This can pay for medical bills for you and your passengers if you’re in an accident, regardless of fault.
• Uninsured/underinsured motorist insurance—This may cover damages caused by drivers who don’t have adequate auto insurance.

How Does Auto Insurance Deductible Work?

An auto insurance deductible is the amount you pay out of pocket before your insurance coverage kicks in for certain claims. For example, if you have a $500 deductible and $3,000 in damage, you would pay $500, and your insurance may cover the remaining $2,500, in accordance with policy terms and limits. Higher deductibles usually result in lower premiums and vice versa.

Choose a deductible amount that fits your budget and your ability to pay out-of-pocket expenses.

What Auto Insurance Is Required?

Most states, including Ohio, require drivers to carry a minimum amount of liability insurance. This typically includes both bodily injury and property damage liability. Check with your local laws to understand the specific requirements for your state.

Beyond state-minimum insurance, auto lenders may also require certain coverage if you have a vehicle lease or loan.

Where to Get Car Insurance

R.M. Price Insurance Agency in Cincinnati, OH, is committed to helping you get the coverage you need. With our tailored policies and comprehensive coverage options, we can help ensure you are protected against unforeseen accidents and liabilities. Contact us today to get started.