Skip to the content

Auto Insurance

Local Auto Insurance — Cincinnati Residents’ Solution to Vehicle Security

Mother and Daughter Leaning Out of Car Window

Most people know they need car insurance, but they may not know exactly why they need it or what they’re paying for. At Chris Hauser Insurance, we’re here to help.

Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states, including Ohio.

The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft, or other perils, and collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental, and other coverages, which vary by state.

Choosing a high deductible on the physical damage coverages can help reduce your premium. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

Reasons to Have Car Insurance

Finding the perfect car insurance agency and protection plan might be the last thing on your mind after buying a new vehicle. But while a comprehensive auto policy isn’t as exciting as fitting your car with new speakers or tires, addressing insurance needs is essential for all Cincinnati drivers.

Auto disasters strike 24 hours a day, seven days a week, even for cautious drivers with only a few or no accidents in their driving history. With a reliable Cincinnati auto insurance company, you’ll be prepared to handle the risks that come with driving.

Legal Obligations

In the city and state of Cincinnati, Ohio, law enforcement can penalize drivers for operating a vehicle without insurance. Signing up for a standard auto policy with a Cincinnati insurance company will allow you to avoid those penalties.

Financial Stability

Having vehicle coverage from a reliable insurance company will help you save money and provide you peace of mind. An affordable car insurance plan can keep you feeling financially stable and ensure you don’t lose your means of transportation.

Comprehensive Coverage

Comprehensive coverage insures you if your car is damaged from something other than an accident, such as a fire or storm. Residents of Cincinnati and other Ohio cities know well that storms in the midwest can wreak havoc at a moment’s notice. A quality car insurance company will reimburse you for severe weather damage if your car is affected by the storms.

Car Insurance Requirements in Cincinnati

Many Cincinnati residents enjoy traveling around the city and state in their free time. However, frequent driving comes with a higher risk of auto accidents. Cincinnati drivers need an insurer with affordable auto insurance rates that cover you 24 hours a day, seven days a week.

In Cincinnati, OH, there are minimum requirements for how much vehicle coverage a driver must have. Thankfully, those requirements are not demanding and comprise only two forms of liability insurance.

Bodily Injury Liability

Ohio requires drivers to have an insurance plan covering at least $25,000 per person involved in an auto accident, or at least $50,000 worth of liability coverage for every person involved in an accident. Bodily injury liability allows your insurance company to respond to those affected by a crash between multiple vehicles up to this amount.

Property Damage Liability

Your vehicle needs at least $25,000 of property damage liability coverage. Your insurance company will cover any potential destruction of property up to this amount.

Beyond the minimum amount in liability insurance, Cincinnati insurance companies also offer additional coverage for your peace of mind, including comprehensive and collision coverage.

Penalties for Being Uninsured

Unfortunately, the penalties for being uninsured in Cincinnati are steep and range from heavy fines to reduced driving privileges. Being insured can keep you financially sound in the event of an accident and prevent additional legal issues.

License and Driving Privilege Suspension

If you drive without insurance in Cincinnati, OH, you risk having the state suspend your driver’s license and driving privileges. These suspensions begin at three months minimum and can last up to two years.

Vehicle Confiscation

Any driver caught operating an uninsured vehicle in Cincinnati runs the risk of losing their car. Vehicle confiscation is temporary in Ohio, but the penalty’s length depends on how many similar violations a driver has on their record.

Lengthy Registration Suspension

One of the most severe car insurance violations a Cincinnati driver can receive is a vehicle registration suspension of up to five years. The state will not revoke that suspension until the driver proves they have a minimum coverage plan with an insurance company.

What to Look for When Buying Vehicle Insurance in Cincinnati, OH

Having car insurance in Ohio is essential for keeping yourself financially and legally protected in the event of an auto accident. Because of how crucial having a solid insurance plan is, you need to have an insurer that understands your individual needs and can offer you flexible coverage at an affordable rate.

Auto accidents and disasters can strike at any given moment. So when you’re considering Cincinnati insurance companies, you need a team that can stand ready to respond to those affected by these potentially costly events. In addition, your insurer should understand everything insurance-related and offer you options such as higher deductibles for lower monthly payments.

Cincinnati, Ohio Auto Insurance from Chris Hauser Insurance

Chris Hauser Insurance is the best Cincinnati auto insurance company for liability, comprehensive, and collision car insurance options. Our team of experts will always stand ready to respond to your insurance needs, whatever they might be. We offer free, comparative quotes from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Call our Cincinnati office today at (513) 271-5070 to receive an auto quote from Chris Hauser Insurance. Our staff will work with you directly to find suitable options for you and your family to keep you safe on the road.

Chris Hauser Insurance offers free, comparative quotes on Auto Insurance from multiple insurance carriers so you can get the best possible rate.

Want to see how much we can save you? Just request a quote to find out.