Helpful agents are standing by: (614) 347-1559
Press play below to listen to our audio commercial:

Basic Things to Know for Car Insurance in Columbus

Insurance policies are tailored by a considering number of factors that are related to that of cars,coverage and policy holder’s behavior while driving. These factors will make you fully understand the actual process of the insurance purchase.

Is everyone covered within my auto insurance policy?

The policy you have for the coverage of your vehicle insurance covers the injuries for you and anyone who is in the car including family members.  Most of the Columbus car insurance providers offer coverage for all who travel using the insurance covered car; they will pay for the injuries if any accident took place.

What are the rules for the pets that get injured while in the covered car?

Pets are usually included in the coverage of an insured car if traveling within the car. If pets get into any injury while in the car, the car insurance companies offer $500 for pets as general coverage.

Can anybody expect a high cost of policy if the covered model of the car is frequently stolen in that area?

Yes, you can expect to get a high cost for the insurance policy related to a car that has the most frequent theft cases in a particular area. It is because if a car is declared as the frequently stolen model, the chances are greater that your car will also be stolen and the insurance company poses high prices for the insurance policy in order to compensate the high probability for a huge payout in case something happened to the car.

What is short term car insurance?

A short term car insurance stands for the insurance that you can obtain for only 1 to 28 days for any car you want to drive. This can be an ideal option offered by some of the insurance companies if you want to use a car that does not belong to you and you would be driving it for few days.

Can a short term car insurance policy prolong for more than 28 days?

No. For a short term car insurance policy, the limit cannot exceed from the 28 day limit

Can I consider myself covered while driving any other car?

Yes, you can consider yourself covered while driving another car in case if you have selected a policy that covers you when you are driving another vehicle. In case if it is not offered in you policy, consult for the agent to describe it and get you the suitable coverage.

Is there any chance in case I cancel my policy that I could get a refund of my premiums?

Policy premiums in Columbus are refundable if you cancel the policy within 14 days of the purchase. The  refund includes a $25 cut down for the services charges that were provided and if the 14 days are over, the charges can go higher than that. But still you can get a refund if you pay annually for the premiums. On the other hand, the monthly payers will have to clear dues up till the date you cancel the policy and may require to submit a little amount if they have not cleared the dues.

What would happen if my car gets hit by an uninsured vehicle?

If your car gets a crash with an uninsured car and gets damage then you surely need to have a compensation. But how could it happen? Car crash involving an uninsured car can get a full compensation if you have a collision or comprehensive coverage. In this way, you can get a compensation from your company for any damage that has been caused due to the other uninsured car.

How senior citizens qualify for cheap car insurance?

Senior citizen can have great discounted rates on purchasing car insurance in Columbus. The discounts are offered by the insurance companies as a result for a history of good driving record, no or rare citation and points on the License, not getting into the offensive acts on the road and an having a solid proof as a responsible driver in the city. Senior citizens, if not impaired due to any physical problem, can be considered as the most experienced and knowledgeable driving people than others.

What determines the rate of an insurance policy?

The rate of an insurance policy in Columbus is determined by many factors related to the insured person and the covered car— the model of the car, the safety conditions in the car, the actual price of the car, person’s driving record, the chosen policy, coverage services, deductible foe the policy and the number of policies you purchase. By considering these basic factors, you can make calculations about the premiums and the total cost of a particular policy.

How can I get low premiums for my auto insurance policy?

You can get low premium installments by getting minimum coverage as required by the state you live as in case of Columbus the minimum coverage is the 12.5/25/7.5.

What will happen if my car is declared as a total loss?

If your car is declared as a total loss, you can get the compensation for the price of your car that is the amount when the loss occurred. You cannot have the exact replacement for that particular car. The company will pay you the amount equivalent to the value of the car at the time of incident.

How can I get best policy option?

You can get best affordable policy by comparing many insurance company rates and then deciding the best suitable one for your vehicle. The best way to do so is to compare prices online. You can compare the quotes through free web portals and can get the most affordable on your choice.

What is the advantage for getting an online quote comparison?

Online quote for auto insurance rate is the best option if you want to save money and time. Because the online comparison provides all the top rated company rates in few minutes, you can have a chance to compare many companies for selecting the most suitable with great reliability in the process.

If you want to experience the advantage get it now here in the given window you can get fee quotes for the insurance you need.