State minimum liability coverage in Ohio will be very cheap compared to insurance rates in other states. The reason for this is the liability limits required are so low. If you have state minimum liability coverage and are at-fault for one person’s injuries your insurance company will only pay up to $12,500. Hopefully it is at a newer car you hit because state minimum liability coverage will only pay $7500 total for damages you cause to the other car. Insurance is your for your financial protection. You can still get a cheap insurance rate if you do decide to lift your limits up a notch.
For people that need comprehensive and collision coverage this week the same is by lifting your deductible. By doing so this will lower your premium. However your deductible must be met before your insurer will pay on any claims you make.
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