Auto Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Auto Insurance Information
Auto Insurance in Eastlake, Willowick, and Wickliffe, OH
CAR INSURANCE IS REQUIRED IN OHIO
In most states, you’re required by law to carry car insurance. In Ohio, the type of car insurance we’re all required to carry is liability insurance. Here at The Insurance Pad, we help people make the right choices when it comes to securing auto liability insurance and more.
We’re in Eastlake, Ohio and we offer policies, protection and coverage to residents across the state to help you protect your assets and your lifestyle in the event of an accident.
It's easy to think all car insurance is created equal. And if all insurance is alike, what difference does it make where you get your coverage and which insurance you purchase?
See a detailed description of vehicle liability insurance here.
HERE IS A DIFFERENCE
You may think you want the cheapest insurance you can find, but cheap isn't everything. While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that covers you according to your unique situation, your assets, your lifestyle and your priorities. There’s no such thing as a one-size-fits-all insurance policy when it comes to your automobile. Contact us today, and we'll help you protect what matters most.
WHAT'S INSURANCE FOR ANYWAY?
Keep in mind that you can’t buy insurance after you have an accident. Carefully considering the position you may be in, if you should ever be in an accident, is important. Keeping you safe is our number one priority. That means making sure your policy can protect you as much as possible. Watch this short video that tells the story of why you should prepare now for peace of mind later. Contact us today, we’ll show you all your options, suggest the right limits, and make sure you receive every discount you deserve.
AUTO INSURANCE: REQUIRED & ADDITIONAL PROTECTION
Insurance protects you and your assets in case of loss, injury or damage; either caused by you, or by someone else. Auto insurance usually consists of the following protections:
But additional protection may include:
- Uninsured Motorist Protection.
- Loan/Lease Protection also known as Gap Coverage
How Does Car Insurance Work?
Car insurance can provide important financial protection, depending on the coverage you choose. It may help you pay to repair or replace your vehicle after an accident. Your auto policy may also help handle your legal liability for third-party injuries and property damage after an at-fault accident, up to the policy’s limits. If you choose full-coverage insurance, your deductible may apply after a covered at-fault accident. Before your insurance coverage kicks in, you are responsible for paying your deductible, which is usually set at $250, $500 or $1,000 per accident. Everyone has different insurance needs, so talk with your agent to understand your options. We can help you tailor your auto insurance policy to meet the state’s minimum requirements and provide the financial safety net you need after a covered accident or incident.
What Does Comprehensive Car Insurance Cover?
Including comprehensive coverage in your personal auto insurance policy is often advisable, as this feature can help financially protect you from many common noncollision-related incidents, including the following:
- Falling objects (e.g., trees and tree limbs)
Does My Vehicle Affect My Car Insurance Rates?
Your car’s specifications will indeed typically have a significant impact on your premiums. Carriers must analyze your vehicle’s details when assessing risk levels. Generally, newer and more expensive automobiles will be quoted higher rates, as they’ll usually have greater replacement costs. However, in some cases, these automobiles may also have advanced safety and security features, which could garner discounts.
Is Car Insurance Mandatory?
In most cases, including in Ohio, motorists must carry auto insurance for any vehicle operated on public roads. Specifically, in the Buckeye State, laws mandate bodily injury and property damage liability coverages. Additionally, if you have an auto loan, your lender may require additional insurance, such as comprehensive and collision coverages, until you’ve paid your vehicle off.
What Happens If I Don’t Get Auto Insurance?
Failing to adhere to requirements regarding auto insurance could incur dire ramifications. Firstly, you’d likely be in violation of state laws, potentially leading to fines, having your vehicle impounded and your license suspended. Additionally, you may face significantly higher auto insurance rates in the future. Even when adhering to legal requirements, lacking certain optional aspects of auto insurance could leave you at risk of significant financial losses.
What Is Considered Full-Coverage Car Insurance in Ohio?
Full-coverage car insurance is a combination of coverages beyond the state’s minimum liability requirements. It typically includes liability, collision, comprehensive coverage and optional protections including uninsured motorist and medical payments coverage. This broader protection helps cover damage to your vehicle and other risks such as theft, weather damage or accidents with uninsured drivers.
Does Comprehensive Auto Insurance Cover a Car Accident in Ohio?
Comprehensive auto insurance does not cover damage from a car accident involving another vehicle. It may help cover noncollision events such as theft, vandalism, fire, natural disasters and falling objects. You need collision insurance to cover accident-related damage to your vehicle.
WHY WE'RE DIFFERENT
Insurance providers vary when it comes to structuring a policy tailored to you.
Plus, we’re betting you won’t find many insurance agents who practice the Golden Rule of treating everyone with kindness, understanding and respect. We’re also huge sports fans (Go Cleveland Browns, Cleveland Indians and Cleveland Cavaliers!) and we love to cook. Learn a little bit more about us at our Cooking with Insurance Blog here.
Contact us today, and we'll help you protect what matters most.