If you’re trying to save money as many are, finding the cheapest car insurance in Ohio might be at the top of your list. Whether you live in Columbus, Cleveland, Toledo or any other city in the great state of Ohio, you can lower your rates. There are a number of ways that you can trim the fat, lower your premiums and still get the quality insurance to protect you that you deserve. Being able to have the cheapest car insurance in OH means being able to really examine some of your habits, the changes in your life, and also, doing a bit of comparison shopping.

In Ohio, there is a minimum bodily injury liability requirement of $12,500 per injured person, totalling up to $25k per accident. The property damage liability coverage requirement is a minimum of $7,500.
Because Ohio is a Tort state, someone can be found at fault in an accident. This means that their insurance coverage will be held responsible for the damages. This is one of the reasons that it is important to do all that you can to lower your rates to begin with and work towards having the cheapest car insurance in Ohio.

When you decide that it’s time to look for the cheapest car insurance in OH, you’ll want to begin before your old policy even comes up for renewal. This may seem like an odd way to save, but many insurers look on this in a favorable light and there is a discount to be had of up to 12% with some providers. This is also a smart way to make sure that your new policy’s coverage is well in place before you cancel your existing policy. Finding the cheapest car insurance in Ohio also means protecting your credit, so be sure that you do cancel the old policy, otherwise you may still owe them a premium.

Be aware of the discounts and incentives that are available to further your path towards the cheapest car insurance in OH. Often, one area where insurance can get expensive is insuring a teen driver, but if your teen’s got a B average or higher in school, that can bring a discount, as can a defensive driving course.

If you’re carpooling, you can also look into a low-mileage discount. This also holds true for those who do not drive very often, and is another way to get the cheapest car insurance in Ohio. These are just a couple of examples of incentives and discounts that many people don’t even consider asking about, you may be able to find more if you ask.

Lastly, make insurance considerations a part of your car-shopping routine. If you’re in the market for a new car or truck, consider purchasing lower risk vehicles. Premiums can and often do vary a great deal from one make or model to another, and even color can impact your rates. Insurers will often look at repair costs, the model’s record of safety, and the vehicle’s theft risk profile. Picking a car or truck that is less high profile is a great way to make sure that you are getting the cheapest car insurance in Ohio.