Cheap Car Insurance in Ohio

About Our Agency

floridacitybailbonds.com is a branch of Ohio Insurance Agency that specializes in SR22 insurance coverage for clients in the state of Ohio. Ohio Insurance & Financial Services is a full service insurance agency offering a wide array of insurance products. We have over 15 years of insurance experience and are the SR22 experts in the state of Ohio.

Our goal is to help you to get the SR22 insurance you need to drive legally in Ohio. If your license is suspended we will help you to get your license reinstated. If you need an SR22 due to a DUI or suspension we will help you with the steps you must take to resolve such issues.

We offer SR22 Ohio bond filing services in the state of Ohio. SR22 bonds provide you with the cheapest insurance protection allowed by the State of Ohio and proves that you have auto insurance that meets at least the basic requirements of the state.

Our team of specialists will help you get the auto insurance coverage you need to ensure that you can retain your status to drive legally in the state of Ohio.

Our Agency specializes in Auto, Home, Specialty Insurance and Commercial Lines. We also write Health and Life Insurance. Our philosophy is to provide the best insurance coverage for you. We work to get you the proper insurance coverage at the most economical cost.

.

What is a SR22 Bond?

An SR22 Bond is a filing made by an insurance company to the Ohio Bureau of Motor Vehicles. There are many reasons ONE may need an SR22 Bond filed with The State of Ohio, from DUI’S to driving with no insurance. SR22’s are the mechanism in Ohio to keep track of insurance on drivers that have had a problem with the Ohio Bureau of Motor Vehicles. Through the SR22 and SR26 process, mandatory insurance is enforced. To drive legally in OHIO you must have the minimum auto insurance required by law!

To determine your personal needs visit the Ohio Bureau of Motor Vehicles Website.

You can satisfy your requirement by purchasing an insurance policy through an insurance agent licensed to provide auto insurance in the state of Ohio. If you do not currently own an automobile you can satisfy the financial responsibility requirement by purchasing a Financial Responsibility Bond in the amount of $30,000 from an Ohio licensed insurance agent.

Here is a website of the essential information you have to know.

.

Who needs an SR22 Bond?

An SR22 Bond is a filing made by an insurance company to the Ohio Bureau of Motor Vehicles. There are many reasons ONE may need an SR22 Bond filed with The State of Ohio, from DUI’S to driving with no insurance. SR22’s are the mechanism in Ohio to keep track of insurance on drivers that have had a problem with the Ohio Bureau of Motor Vehicles. Through the SR22 and SR26 process, mandatory insurance is enforced. To drive legally in OHIO you must have the minimum auto insurance required by law! To determine your personal needs visit the Ohio Bureau of Motor Vehicles Website.

You can satisfy your requirement by purchasing an insurance policy through an insurance agent licensed to provide auto insurance in the state of Ohio. If you do not currently own an automobile you can satisfy the financial responsibility requirement by purchasing a Financial Responsibility Bond in the amount of $30,000 from an Ohio licensed insurance agent.

.

What does an SR22 Bond Cover?

An SR22 bond represents the liability covered by the SR-22 bond. The total amount of liability covered is $32,500. The coverage offered is $12,500 for a single person injured in an accident or $25,000 for any two people injured. There is additional coverage of $7,500 for property damage caused in an accident where you are found to be at fault. Bond insurance does not cover spouses or any other members of your household. In addition, bond insurance does not provide coverage for uninsured motorists or physical damage coverage for your vehicle.

arrested for dui in Ohio

.

How to Create a Cheap Car Insurance Policy

When looking for cheap car insurance, you will need to perform as many penny pinching techniques as possible to save the maximum amount of money on your auto insurance policy. Remember that sitting on your butt and not taking action will result in you losing out on saving money. Also, if you do not ask for these discounts from your insurance broker, they will never give them to you.

Take control of your policy and make sure to take time and understand all the coverage that you are paying for. If you blindly agree with your insurance broker, you might be paying for additional coverage that you do not need. Remember that having the minimum policy in order to legally drive might be interpreted differently between the state that you reside in and the insurance companies “minimum policy”. This is the reason why reviewing your policy and calculating each and every individual coverage fee is important. Typically all insurance policies have a breakdown of the premiums that you will have to pay on a monthly basis in order to get covered by the insurance company. If there is something that does not look right on the policy, bring it up with the broker and ask specifically what the premium covers.

If you are shopping for car insurance, the best way to obtain a cheap quote is by shopping around and obtaining as many quotes from as many companies as possible. Remember that you will have additional bargaining more if you have more quotes as you can sometimes negotiate with the insurance company when you have multiple quotes. If you currently have a policy with a company, remember to review your policy on an annual basis to see if there has been dramatic increase in premiums. Sometimes insurance companies will increase premiums without any warning. If this occurs and you do not review your premium, then you will continue to pay on an insurance policy that might be way over priced. Also, make sure to talk with your broker every year and see whether or not you can receive a discount for being a good driver. Sometimes old traffic infractions are left on your record and will increase the cost of your premium.

With these money saving tips, it will be possible to considerably reduce your insurance policy and get a cheap car insurance premium.

.