Auto Insurance FAQs in Kent, OH
Navigating auto insurance can be overwhelming, especially with so many options and requirements. Whether you’re a new driver or considering a switch, it’s essential to understand the basics. This frequently asked question (FAQ) addresses common questions about auto insurance in Kent, OH, to help you make informed decisions.
How Much Auto Coverage Do I Need? 
In Ohio, you’re required to carry a minimum amount of liability coverage for bodily injury and property damage. However, opting for higher limits and additional coverage, like uninsured motorist protection, can offer more robust financial protection.
How Much Does It Cost?
The cost of auto insurance depends on factors like your age, driving record, vehicle type and coverage choices. Average rates can vary, so it’s helpful to compare quotes to find the best rate for your circumstances. Your National Premier Insurance broker can help provide a customized quote.
How to Compare Insurance Rates
To compare rates effectively, gather quotes from several insurers, paying attention to coverage options, deductibles and available discounts. Online comparison tools can make this easier by showing side-by-side comparisons.
How Does It Work?
Auto insurance can provide financial protection against losses from incidents like accidents or theft. When you file a claim, your insurer assesses the damage and may cover costs up to your policy limits, minus any deductible.
How Do Deductibles Work?
A deductible is the amount you pay out-of-pocket before your insurance covers the rest. For instance, with a $500 deductible on $2,000 of damage, you would pay $500, and your insurer may cover the remaining $1,500 of an approved claim.
Why Do Rates Increase?
Rates may increase due to traffic violations, accidents, changes in your credit score or broader economic trends that affect insurance industry costs. It’s important to get in touch with an insurance provider for proper guidance.
Where to Buy Auto Insurance
You can buy auto insurance directly from insurance companies, through agents or online. At National Premier Insurance, we’re dedicated to helping you find a policy that fits your needs. Contact us today to start the conversation or request a quote.