Auto Insurance, Car Insurance plus Boats, RV’s & Motorcycle Insurance
in Eaton, OH and the surrounding areas

No Worries Behind the Wheel

Auto Insurance from the Chrismer Agency

In the state of Ohio, it is illegal to drive any motor vehicle without insurance. It’s also illegal for a vehicle owner to allow anyone else to drive his or her motor vehicle without insurance. Regardless of any legal requirements, everyone understands the importance of auto insurance. When you put two tons of metal on wheels and put it on roads with other powered vehicles, accidents will and do happen.

How much auto insurance do you need?

The state of Ohio enforces minimum automobile insurance requirements which include Bodily injury liability coverage of at least $25,000 per person and $50,000 per accident and Property damage liability coverage of at least $25,000 per accident. However, minimum limits may not meet the requirements of many auto leasing companies, who often require much higher liability and property damage limits.

While minimum limits reduce your insurance premiums, there are financial risks to consider. In the event of a serious auto accident for which you are found liable, medical expenses could easily exceed the $25,000 per person limit, as well as the $25,000 property damage limit. That excess is money that comes out of your pocket. Maintaining higher limits is always a good idea and the cost difference is well worth it.

Save Money with an Independent Agency

If you have automobile insurance with a captive agency, you owe it to yourself and your budget to let the Chrismer Agency provide a quote. Captive agencies represent one insurance company, and that company is generally competitive for a specific driver class. However, you’ll quickly discover your rates increase greatly in the event of an accident, or if you add a newly licensed driver to your policy. If your rates increase, you have to find a different agent.

As an Independent Insurance Agency, the Chrismer Agency compares coverage and rates within our network of insurance carriers to present the best possible rate to you. Some companies are more competitive when it comes to younger drivers, while others are more attractive to older drivers. A variety of companies offer multi-policy discounts for those who have their auto and homeowner’s insurance with the same carrier. Others provide discounts for having multiple cars on your policy, while still others are very competitive for older individuals. The Chrismer Agency does the shopping for you, ensuring you enjoy great rates. And, should rates increase, we can shop among our network of providers to make sure you’re always getting the best rate available.