Families in Ohio can save on car insurance by combining coverage
Families are always looking for ways to stretch the budget. Multiple car discounts on car insurance coverage for families in Ohio offer a number of options to get value and savings.
In the state of Ohio, all licensed drivers are required to show "financial responsibility" in order to legally drive and one of the most common ways this is done is through car insurance coverage. Licensed drivers must carry a mandatory minimum amount of auto insurance coverage in order to prove financial reponsibility. If you are adding a new car to your policy in addition to a new driver, you will need to make sure the new vehicle is covered for the following amounts:
- $25,000 in bodily injury liability coverage for a single individual
- $50,000 in bodily injury liability coverage for two or more persons
- $25,00 in property damage coverage
These are some of the lowest mandatory insurance levels in the country and the majority of families with drivers take on limits higher than these. Even just insuring a teenager for these mandatory minimums can be expensive given the inexperience of young drivers. Parents of teen drivers often purchase family auto insurance coverage to mitigate this added expense.
Get your Ohio family free estimates on car insurance coverage
In order to qualify for family auto insurance coverage multi-car discounts, all people named on the policy must reside in the same household. If your teen driver decides to take a car out of Ohio for college, you will need to inform your insurance company. Your rate may go up or down, depending on how your carrier handles the policy change. If the car stays at home with you, your child can still be listed on the family policy, allowing you to keep the multiple car discount.
If you don't yet have children of driving age, you can still take advantage of a family discount. Multi-car discount family auto insurance coverage allows couples to take advantage of multi-car discounts through a family plan that can grow with your family. Remember, married couples often enjoy auto insurance discounts that single drivers do not. Married men under the age of 25 in Ohio can benefit greatly from married couple discounts.
One key factor to remember is that insurance companies in Ohio assume that everyone in your household holding a valid driver's license might drive your car. If one of your household members has a bad driving record, it could affect your premiums even if they aren't named on your family policy. Be sure to check with your insurance agent to see if you are able to exclude household members from your family policy to reduce your premium costs.
Many Ohio insurance companies offer multiple car discounts on family car insurance coverage. Some of the leading companies offering these discounts include:
If you are unsure if your Ohio insurance company offers multiple car discounts for your family's car insurance coverage, or if you don't have an insurance agent working on your Ohio family's behalf, let us help. Reply! can help you find the carriers that will work best for you and local insurance professionals with access to those carriers.