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Minimum Coverage Requirements for Your Auto Insurance Policy

Depending on the state in which you live, you will be facing a variety of auto insurance requirements. The trick with these minimum car insurance requirements is that they will differ from one state to the next. Understanding the minimums in your state, whether you live in Wooster, OH, or elsewhere, can be helpful as you begin to shop with the Tri C Insurance Group for an auto insurance policy.

Liability Limits and Why Minimums Exist

Why is it that there are minimums that exist when it comes to auto insurance? States want to be sure that the victim of the accident is taken care of when an accident occurs. The goal with an insurance policy is to indemnify someone or make them whole again. The minimum limits help to ensure that this happens following an accident, no matter who is at fault.

Minimum Requirements in Ohio

If you live in Wooster, OH, there are minimum auto insurance limits set for bodily injure on a per person and per accident basis. On top of that, there is a property damage liability per accident as well.

For bodily injury in Ohio, the minimum is that your auto insurance policy carries a $25,000 bodily injury liability per person limit, with it being $50,000 per accident. The liability minimum for property damage per accident is $25,000. Your policy can exceed these amounts, but these are the bare minimum.

When you are in the market for an auto insurance policy, understand how minimum coverage requirements play a factor. When you grasp this concept, it can make shopping for a policy that much easier. The Tri C Insurance Group team is here each step of the way to guide you through your auto insurance buying experience.

Things to Know About Auto Insurance

Choosing the right auto insurance may seem like a complicated process, yet in essence, it is one of the most straightforward procedures that you will encounter. Tri C Insurance Group states that the rule of thumb is to stick to your basic needs rather than let any misconceptions you have encountered mislead you. To help with that, here are the essential things to keep in mind when shopping for auto insurance within the Wooster, OH region. 

Personal Auto Policies Do Not Cover Business Vehicles

Personal auto policies and business auto policies come with different liability requirements, meaning their use cannot be interchanged. If you occasionally drive your vehicle for business purposes such as ride-shares, this will require you to get more coverage under business vehicle use. Failure to do so could leave you with added injury and damage expenses that you may be trying to avoid, so make sure to talk to your insurance company about any side jobs.

Some Auto Policies Come With Rewards

Depending on your auto insurance needs, some coverage will offer you rewards, allowing you to enjoy savings on your policy. Factors such as safe driving could make a difference while getting your auto insurance and utilizing the same agency for multiple policies. Consider looking into some of the rewards that come with your preferred option on your next purchase.

Your Auto Insurance Covers Multiple Parties

Auto insurance generally requires you to pay your coverage rates, but that is not to say that you cannot loan your vehicle to someone else. If another party gets into an accident in your absence, your auto insurance covers damages caused without charging you any penalties. This makes it possible for your partner or children to drive around without fear of incurring multiple expenses when an emergency arises.

If you are looking for auto insurance to customize your Wooster, OH travel needs, reach out to Tri C Insurance Group today. We also provide commercial, condo, and flood policies, among others, so be sure to call us for any of these coverage options.

Most Common Myths About Auto Insurance

When you are looking for an auto insurance policy to protect your car, it is important to know and understand the factors that may affect coverage and insurance costs. Unfortunately, there are too many misconceptions about auto insurance that can be quite misleading. Tri C Insurance Group, serving Wooster, OH, prepared a list of myths about this type of insurance that need to be debunked to help you make the right choice. 

Red Cars Are More Expensive To Get Insured

Actually, the color of a car does not determine the price of auto insurance. Auto insurance costs are based on numerous factors, including body type, car make, age of the car, and engine size. Other factors also include the cost to repair the vehicle, the car’s base price, and the chances of it being stolen. Also, some insurance companies consider the age of a driver, his age, and the driving record. 

Cars Insurance Is More Expensive For Older Drivers

It is actually the opposite because older drivers are often qualified for various discounts. For example, a driver who is 55 years and older can get a reduction in their car insurance costs if she or she completes an accident prevention course. 

Your Credit Score Does Not Have An Impact On Car Insurance Costs

The score derived from credit history matters and has an impact on auto insurance premiums. A good credit score is an indicator that a person knows how to handle finances. Therefore, in most cases, people with a good credit score pay less for their car insurance. 

In the state of Ohio, it is illegal to drive without auto insurance. Therefore, if you have a car, you must carry car insurance. If you are currently looking for the right insurance plan, do not hesitate to contact Tri C Insurance Group, serving clients in Wooster, OH. We are ready to help you.