Some coverages can be customized for each vehicle. Generally speaking, liability and uninsured motorist coverage limits are set at the policy level, meaning that you can't customize them for each driver or vehicle in the policy. However, with collision and all-risk coverage, you can usually choose different deductibles for each vehicle. Limited to one car, one driver for 6 months.
You can purchase two car insurance policies to insure two separate vehicles. However, buying two policies to insure the same vehicle may result in the automatic cancellation of one of them. If your child goes to school and has their own vehicle, the car can normally remain on their multi-car insurance policy as long as the student continues to use their home as their primary address. Where you live can affect your car insurance rates as much as your driving habits, although this has less impact in Ohio.
Comprehensive car insurance and collision insurance are also common types of car insurance coverage, although no state requires them. Just add any vehicle that belongs to your spouse, family member or roommate to your policy and you'll receive the discount for several vehicles as long as the car is mainly stored in your home. By requiring specific liability insurance for victims of an accident caused by you, they can receive financial help for injuries and property damage without seriously affecting their own financial well-being. The best way for teen drivers to save money on car insurance is to share a policy with their parents or an older relative.
That's why it's also important to know how much car insurance you need, so as not to jeopardize your personal assets in the event of an accident. However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident. USAA is the best auto insurance company in Ohio because of its cheap rates and high customer service scores. If you have a child who is going to an out-of-state college and has a car on campus, they may need a separate car insurance policy for another state, depending on the state in which they are going to school.
While Ohio is one of the most affordable states for auto insurance, young drivers continue to pay more for car insurance than adult drivers. Many married couples can get even lower rates through auto insurance discounts, such as multi-car discounts and multiple policies. In that case, you would need two car insurance policies, one for the vehicle that is kept overnight in Connecticut and a policy from another state in New York for the vehicle you keep at work. The main reason car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident.