Ohio Auto Insurance – What You Need To Know About Auto Insurance

Auto Insurance is important and required for being on the road legally, so why is it such a confusing subject to some people?  It can be confusing as different states have different requirements for being legal to operate their vehicles on the road.  We will cover some facets of auto insurance and why they’re important to your vehicle and your protection.  Stanley Insurance Group in Hilliard, OH offers auto insurance and can help with your insurance needs.

Personal Liability Coverage

The very basic tenement of auto insurance is the protection against damage to other vehicles, property, and individuals.  This coverage is personal liability coverage, and it protects you from damages to other vehicles in the case of an accident.  This also protects against personal injury claims made by other drivers in case of an accident that you’ve caused.

Uninsured Motorist Coverage

This type of coverage covers you in case you end up in an accident with another driver who doesn’t carry auto insurance and is deemed at fault.  This coverage will pay for your own damages and injuries suffered which would normally be covered by the other driver.

Other Coverages

There are other coverages that are offered as an add-on to your policy and these types of coverages range from rental car coverage to roadside assistance.  These extra add-ons will add more money in terms of what you pay out in monthly premiums, but they will also bring additional coverage to unique situations that would not be covered under your normal auto insurance policy.  This is just the tip of the iceberg as there are other coverages that are not listed here.

To Learn More

You can learn more about auto insurance coverage by contacting Stanley Insurance Group in Hilliard, OH today!

Types of Auto Insurance Coverage

As a resident of Hilliard, OH, the significance of having a functional car extends to your family and loved ones. It is, however, crucial to ensure that its service delivery remains high and for a long time to come, hence the need for insurance coverage. For this reason, understanding the types of auto insurance coverage becomes paramount. At Stanley Insurance Group, we will guide you on the types of auto insurance to consider.

Comprehensive Coverage

It is hard to know the risk factors associated with the car, passengers, or a third party while on the road. To prepare for the unforeseen incidences of life, you need coverage that will meet your future needs. Comprehensive coverage offers protection against any uncertainty or risk factor associated with you as a car owner.

Liability Coverage

Liability coverage comes to your rescue in cases of accidents that occur due to your negligence or fault. This type of auto insurance covers the repair or replacement costs of the third party’s damaged property and medical bills. It is beneficial as you avoid incurring costs that would otherwise be a burden for you to carry.

Personal Injury Coverage

With personal injury insurance, you get coverage for the costs related to a car accident.  With this coverage, as a resident of Hilliard, OH, you find it easier to overcome various risk factors regardless of the side the fault falls on. This type of auto insurance covers the drivers and other passengers involved in an accident as well.

Collision Coverage

With this insurance plan, the insurer bears the repair expenses of the car after the accident. However, the premium for this auto insurance plan differs with the age, the model, and the market value of the car.

Uninsured Motorist Insurance

With uninsured motorist insurance, you and your car get protection against uninsured motorists and drivers, especially in hit-and-run accidents. With the option of pairing this coverage with underinsured motorist insurance, you get better results in the end.

Get in touch or visit us at Stanley Insurance Group for professional guidance on auto insurance coverage.

Do I need auto insurance in Ohio?

If you are in the Hilliard, OH area, owning a car will be a good idea as it can make it a lot easier for you to get around town. If you do own a vehicle here, you will want to make sure that you get proper insurance for it. There are a few reasons why the typical vehicle owner in this area of Ohio will need to have an auto insurance plan.

Insurance Protects Vehicle

A common reason that you will need to get an auto insurance plan is that it can protect your vehicle. Buying a car is a major investment that you need to protect as well as you can. A great way that you can do this is with a full insurance plan that includes both collision and comprehensive coverage. When you have this protection, you will have the protection to repair or replace your vehicle following an accident, theft, or various other forms of loss. 

Insurance Required Across State

A reason that you will need to get an auto insurance plan here is that it is a requirement for you to have this all over the state. Anyone that intends to drive a car here will need to at least have liability insurance. If you do not have this coverage, you will be in violation of state law and could incur a variety of penalties including loss of licensure. 

As you are looking for a new car in the Hilliard, OH area, it would be wise to call the Stanley Insurance Group. The team with the Stanley Insurance Group understands the value that this coverage can provide to you. They can continue to offer you the guidance you need to choose a plan that is right for you and your situation. 

3 Reasons You Need Auto Insurance in Hilliard, OH

Living in Hilliard OH means you probably have a car or truck to get you around. Overall, auto insurance is affordable and offers protection in the event of an accident, which in turn brings peace of mind. If you’re wondering whether you need auto insurance in Hilliard, OH, the answer is yes. Here’s why according to Stanley Insurance Group.

1. It’s Mandatory

Ohio state law, and every other state in the country, mandates that each driver has auto insurance before registering their vehicle and driving it. In the past, auto insurance wasn’t mandatory, which left a lot of uninsured drivers on the road. This was a nightmare for those who were in an accident not of their fault and where the other driver was uninsured. Today, however, everyone is required to have the minimum amount of coverage mandated by the state. Still, is this enough? That depends and is a good reason why you should opt for full coverage as the other driver may be underinsured at the time of the accident. 

2. Protection of Assets

Having auto insurance is a smart move. It means you’re protected if you get into an accident, no matter whose fault it is. As long as you’re not underinsured and cause an accident, you can be thankful knowing your assets are protected. An auto insurance policy will help protect you from liability, bodily injury, and more. 

3. Protection of Health

Injuries from car accidents are all too common. That’s why it’s important to be insured to protect your health if you’re injured. This insurance will also protect friends and family members who are in your vehicle at the time of an accident. 

To learn more about purchasing an auto insurance policy, contact the team at Stanley Insurance Group. Our friendly, reputable agents are standing by right now to take your call. 

Auto Insurance: Facts vs Myths

Misconceptions about auto insurance can make it difficult to make wise insurance choices. At Stanley Insurance Group, we’ll help you distinguish insurance facts from the fiction so you can get the coverage you need. Here are some common auto insurance myths that many people still believe.

Myth: The color of your car affects your premium cost.

Many people still believe that red cars are more expensive to insure than cars of other colors supposedly because owners of red cars drive faster and in a more reckless manner. The truth is that car color has no bearing on auto insurance costs in Hilliard OH. Factors like your age, driving record, car type, and car use, however, can affect your auto insurance rate.

Myth: If you loan your vehicle to a friend and he has an accident, his insurer will cover injuries and/or damages.

Car insurance follows the vehicle, not the driver. This means that your insurer is responsible for damages if you loan out your car and that person causes an accident. That’s why you should be very careful when loaning your vehicle to another driver.

Myth: Car insurance rates in Hilliard, OH can be negotiated with your insurer.

Auto insurance rates aren’t negotiable, per se, as they are regulated by federal and state guidelines. You may, however, qualify for discounts on your premium if you’ve completed a driving course, have a safe driving record, drive infrequently or own a vehicle with advanced safety features as this makes you a low-risk driver.

Myth: Your credit score doesn’t affect auto insurance costs.

Actually, many insurers factor in your credit rating when determining your auto insurance costs as it’s a reflection of your ability to manage money. If you have good credit, you’re considered a low risk for filing a claim due to an accident.

For more information about auto insurance, call or visit Stanley Insurance Group today.  

3 Tips for Buying Auto Insurance in Ohio

Having auto insurance is a state requirement. If you’re caught driving without car insurance, you could face hefty fines. Furthermore, if you get into an accident that is your fault and you lack insurance, the consequences could ruin you financially. The smart thing to do is secure an auto insurance policy today if you don’t already have one. You may even consider upgrading your current policy for added coverage or to see if you can get any additional discounts. The team at Stanley Insurance Group in Hilliard, OH has put together a shortlist of three tips to help you get started.

1. Work with a Reputable Agent

When purchasing auto insurance, it’s always best to have a reputable agent as your guide. He or she will answer your questions, help you compare quotes, and find extra discounts. 

2. Compare Several Quotes

Your reputable insurance agent will recommend you compare several auto insurance quotes before making a choice. Policies vary from one to the other and from company to company. To make sure you’re getting the exact coverage you need at an affordable price, you need to go over at least three quotes.

3. Bundle Your Insurance Policies

When you purchase a new policy or even upgrade, consider bundling it with all your other insurance policies. When you do this with an insurance carrier, they will give you a discount on your premiums. Talk to a reputable insurance agent about this and other discounts available to you.

To learn more about securing an auto insurance policy in Columbus or Hilliard, OH, contact Stanley Insurance Group, serving the area. Reputable agents are standing by to take your call and help get you started. 

Why should I get Ohio auto insurance?

For people in the Hilliard, OH area, driving a car daily is a necessity in many situations. If you are going to purchase a vehicle in this area, you will want to make sure that you are correctly protecting both yourself and your vehicle. One of the best ways to do this is by getting an auto insurance policy. There are several reasons why someone should get auto insurance when they are in Ohio.

Ensures Legal Compliance

One important reason why you should get auto insurance in Ohio is that it will ensure that you comply with the law. Similar to many other areas of the country, people that own a car in Ohio are going to be required by law to carry auto insurance. If you do not have this, you could face financial penalties and may even lose your right to drive a car.

Protects Your Vehicle

Buying a car is a huge purchase, and the last thing that you will want to do is risk this investment. When you get auto insurance, you will be protecting your vehicle. A full auto insurance policy with collision and comprehensive insurance will give you coverage for many different situations that could result in a loss for you or your vehicle. 

Choosing the right auto insurance policy is very important, and the team at Stanley Insurance Group can help you to pick the right one. When you are looking for insurance in the Columbus or Hilliard, OH area, Stanley Insurance Group will review your personal situation to see what type and level of coverage that you need. From there, the team will help you find a good policy that gives the right coverage for you and your vehicle.

How a Hilliard, OH Resident Can Protect Themselves with Auto Insurance

When you are looking to buy a car in the Hilliard, OH area, there are many important factors to take into consideration. One important factor to consider is your auto insurance needs. While it may be one of the last things that someone is thinking about when they buy a new car, auto insurance can help to protect someone a variety of different ways.

Covers for Liability

Whenever you take a car out on the road, there is a chance you would be found liable for an accident. If you happen to get into an accident are found to be at fault, you will be responsible for all costs incurred by the other party. Due to this, you need to have a full liability insurance policy in place at all times. Further, this type of coverage is required by law whenever you are behind the wheel in Ohio.

Protects Your Asset

A car owner in Hilliard will also need to make sure that their important asset is covered by insurance. Buying a car is a big investment. It is important that you make sure that it is properly covered by insurance at all times. Your auto insurance policy will be able to provide you with the protection that you need in these situations if you get a full collision and comprehensive policy. 

If you have a car in the Hilliard, OH area, the team at the Stanley Insurance Group can help you to find a policy that works for your situation. The Stanley Insurance Group knows all about the different needs that someone has when it comes to auto insurance. They can then work with you to put together the right type of auto insurance policy that will provide you with the right type of insurance protection.