Ohio Casualty Auto Insurance Review

Ohio Casualty Auto Insurance is a conscientious company that does not try to sell anybody coverage that they do not need. They also will not sell their clients insurance for limits higher than they need, like some auto insurance companies are known to try. Get auto insurance quotes today for FREE with our quote comparison tool!

People can be assured that this is the truth by the fact that Ohio Casualty Auto Insurance educates the people who visit their website all about auto insurance. Once you know what you’re looking for find cheap auto insurance quotes for FREE with our ZIP code search!

How Much Insurance Is Needed?

In order to help their clients purchase the right amount of coverage, the Ohio Casualty Auto Insurance website asks people a few questions before they purchase their auto insurance.

They will ask:

• How much the car is worth?
• How many miles per year is the car driven?
• The ages, gender and marital status of the named drivers on the policy
• Where does the policy holder live?
• Do the policy holders rent or own their residences?
• How is the policy holder’s driving record?
• What are the policy holders’ credit scores?

The answers to the questions above will help people determine whether or not they will be charged high premiums or low premiums. But, Ohio Casualty Auto Insurance also gives potential clients a few subjects to discuss with their representatives that will help these clients create the types of auto insurance policies that gives them exactly what they need for a price they can afford.

The questions are:

• How much can the client afford as a deductible if a claim needs to be filed?
• How much can the policy holder save on premiums with a higher deductible?
• How can the policy holder qualify for discounts?
• Does parking the car in the garage qualify the policy holder for a discount?
• Does membership in an auto association give people a discount?
• How much liability and medical coverage is enough for the policy holder?

By ensuring that people know exactly what to consider and what to ask their representatives, Ohio Casualty Auto Insurance makes sure that they are selling auto insurance policies that are tailored toward each individual client rather than a one size fits all policy for the highest price.

Educating People about Auto Insurance

As people do not always understand auto insurance laws, they may need a little education in this area. After all, auto insurance is a requirement in each state, and people know they need to have it, but they may not know exactly what the purpose of it would be.

Ohio Casualty Auto Insurance wants its clients to know what they are buying and why.

Setting the Limits of Coverage

For example, people can set the limits on their auto insurance policies, and how much they will pay for this coverage will depend on how many types of coverage they purchase.

Ohio Casualty Auto Insurance helps people understand what the limits mean before they sell the policy.

Choosing a Deductible

Also, the auto insurance costs will, in part, depend on the deductible that people choose to pay.

What the deductible is all about is not always clear to people. Ohio Casualty Auto Insurance explains what a high or a low deductible will mean for their clients before they have their clients choose what the deductible will be.

Permissive User Coverage

Permissive User Coverage applies when the insured’s vehicle has been lent to another individual who is not named on the policy. If these people were to cause an accident, Permissive User Coverage is liability insurance that will pay for the damages.

Underinsured Motorist Protection

Ohio Casualty Auto Insurance also sells several types of optional coverage that helps at-fault drivers pay for their own damages. The type of optional insurance that people cannot always find is Underinsured Motorist Protection, but they will be able to purchase it from Ohio Casualty Auto Insurance.

If Ohio Casualty Auto Insurance clients believe that it is likely that the damages they receive from another driver could possibly exceed the limits of their states, they can purchase this extra coverage. Underinsured Motorist Protection will pay the difference between what the at-fault driver’s insurance company paid and the amount of the medical and repair bills.

Discount for High Risks

Auto insurance clients that are most susceptible to being involved in a car collision are usually charged the highest rates. They are placed in the highest risk categories and charged accordingly. These people may have:

• Several moving violations
• Low credit scores
• DUIs or DWIs
• Engage in dangerous habits
• Have driven without auto insurance in the past

If these people were to take an accident prevention course approved by Ohio Casualty Auto Insurance, they can receive auto insurance discounts.

When people compare auto insurance quotes, they will be comparing the same types of policies against the prices that other auto insurance companies are charging. See if you could save on auto insurance with our FREE quote comparison tool!

If one company is charging a very high price for the same amount of coverage, consumers may eliminate this company as a possibility. This would be the advantage of comparing several auto insurance quotes, and you can do this on this website by entering your ZIP code into the box below – it’s FREE!