If you’re a driver in Ohio, you’re required to carry liability car insurance. Liability coverage pays for the damages to other drivers in case of an accident. The state requires you to have minimum coverage that includes $25,000 in property damage liability and $50,000 in bodily injury liability. You can get more coverage if you’d like. However, you won’t be able to get any compensation from the at-fault party if you don’t have sufficient protection.

Insurers use a variety of factors to calculate your premiums. For example, the type of vehicle you drive and the model of your car will both affect your rates. Plus, your credit score is also considered. Luckily, there is a car insurance calculator that can give you an idea of the true cost of car insurance in your state.

The first step in finding the best deal on your car insurance is to know what your options are. There are several types of policies available, including full coverage, liability only and medical payments coverage. Some companies offer discounts for good drivers, while others provide special offers to homeowners. Before making your decision, you should compare several quotes to see which one is the cheapest.

A good car insurance calculator will not only provide you with a ballpark estimate of what you can expect to pay, it will also point you to the most efficient plan for you. Depending on the car you own and your driving history, there may be better options than the ones you are currently considering.

Generally, the best way to save money on your car insurance is to get coverage that is both comprehensive and collision. Buying this type of insurance will cover you if your vehicle is damaged in an accident, but you will need to spend a considerable amount of money out-of-pocket for repairs.

The cost of car insurance in Ohio is lower than most neighboring states. But the price can vary widely depending on the region you live in. WalletHub compared quotes from 45 zip codes, representing at least 20% of the population in Ohio.

Insurers calculate your premium by reviewing your driving record and past claims. Those with a clean history, good credit and no traffic violations will typically receive the cheapest rates. To find the cheapest car insurance in Ohio, try shopping around by contacting as many companies as you can.

Getting the right policy for you can be tricky. While it is true that most insurance companies will not give you a discount for not carrying a car, it is possible to lower your premiums by getting a high deductible or a smaller coverage limit. It may also be worth dropping collision and comprehensive coverage to save more.

Using an Ohio car insurance calculator can help you determine the best possible coverage for your needs. Remember, you may be able to get a discount for going paperless, for having a good credit score or for having a safe vehicle.