American Auto Insurance Cleveland Ohio
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Insurance Plans for Every Ohioan
Independent insurance options in Parma, Cleveland, OH & surrounding areas
We are Insure Ohio, an independent insurance company working with individuals, families and businesses to get them the coverage they need for every stage of life. We offer a variety of insurance types, including auto, home and business insurance.
• Free quotes, online or in-person
• Late hours for your convenience
• Access to over 20 different agencies
Call (216) 712-7850 today to get a quote from an independent insurance company in Parma, OH.
An Insurance Company on Your Side
Insurance coverage in Parma, Cleveland, OH & surrounding areas
Bad credit? Bad driving record? Suspended license?
No problem! At Insure Ohio, we believe that nobody should be rejected for the insurance for their life, work and family. In fact, we specialize in handling the insurance needs of individuals unable to obtain insurance from a large, national insurance company. We are proud to offer a variety of insurance options for our neighbors in Parma and the entire Cleveland, OH area. We will even help with your SR22 form so that you can get your suspended license back ASAP!
Call (216) 712-7850 today for the insurance coverage you need in Parma, OH.
5 Reasons to Choose an Independent Insurance Company in Parma, OH
1.You’ll get a wide choice of options. Independent insurance companies will have great access to a number of different coverage options and price points. Well shop around to get you the absolute best coverage at an ideal price.
2.You’ll receive personal advice. Because you are choosing a smaller, independent insurance company in Parma, OH, you’ll receive more personalized and face-to-face attention. Well work with you and ask vital questions to fully understand your needs.
3.You’ll get a true advocate. When you go with a smaller company, you’re more than just a name on a page to your insurance representative. You’re a person with a truly unique story. So if ever there is a billing or a claims issue, we will fight to get you the best coverage.
4.You get a local office. By choosing an independent insurance company in Parma, OH, you’ll have access to your insurance representative year-round. Your rep is also one of your neighbors who supports local businesses and people. We care about the Parma & Cleveland, OH communities!
5.You find a company for all of life. Whether you’re getting married or having a child, buying a home or starting a business, your rep will review your policy and find the best packages for every stage of life. We want to always get you great coverage!
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*rates based on survey data – Spring 2017
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Cheap Car Insurance in Cleveland, Ohio
Looking to learn more about Cleveland and how you can acquire cheap car insurance? Well, Cleveland’s place in musical history has been set because this city has the pleasure of hosting the Rock and Roll Hall of Fame and Museum. It also is home to the world-renowned Cleveland Orchestra.
Let Cheap Car Insurance help take the leg work out of shopping for the best car insurance in Cleveland. Get your auto insurance quote today!
Driving Conditions in Cleveland
Snow and ice are common in Cleveland during the wintertime, and they can increase the danger of driving on the streets. Drivers must beware of shaded spots on the highways because these areas may contain ice and frost even if the rest of the location is dry. This city also has fog on occasion, and it makes driving more difficult. On the rare occasion that collisions occur while fog is present, it increases the danger of chain reaction accidents.
Odd Laws in Cleveland
In Cleveland, women must refrain from wearing patent leather shoes. If they don’t, it’s possible that men could see the reflection of their underwear. If the house becomes infested with mice, Cleveland residents will have to live with them if they aren’t willing to obtain a hunting license because it is illegal to catch mice without one.
Crime Statistics in Cleveland
For 2014, here are the reported number of crimes in three categories in Cleveland, according to the FBI:
- Burglary — 6,948 incidents
- Larceny — 10,335 incidents
- Vehicle thefts — 3,838 incidents
Safety Requirements in Cleveland
Under Ohio law, every driver and front-seat passenger must wear a seat belt. Each kid under 8 must be in a booster seat or other approved child safety seat (except if the child is at least 4 feet, 9 inches tall), while anyone 8 to 15 must wear a seat belt if he or she is not sitting in a child safety seat.
Distracted Driving Law
State law bans texting while driving, but permits talking on a cellphone while driving (unless you’re under 18).
An adult driver who breaks the anti-texting law can be fined up to $150. For a driver under 18 who’s guilty of a first texting offense, the maximum penalty is a $150 fine and a six-month license suspension; the penalty doubles for a second offense.
Under Ohio law, a motorcycle operator 18 and older who’s held a valid motorcycle license for at least a year is not required to wear a helmet. An operator under 18 must put on a helmet, though. All motorcycle passengers must adhere to the same rules that apply to the operator. Anyone caught without a helmet can be fined as much as $75.
Ohio does not have a law requiring use of helmets by bicycle operators or passengers.
Impaired Driving Law
The crimes of DWI or DUI go by another name in Ohio: OVI (operating under the influence).
In the case of a “low test” — meaning lower-level results on a chemical test to determine OVI — a first-time offender in Ohio faces at least three days in jail, a one-year license suspension and a $375 fine. Under the “high test” scenario (with higher-level test results) a first-time offender faces at least six days in jail, a one-year license suspension, a $375 fine and mandatory yellow OVI license plates.
Maximum penalties for a first-time “low test” offender are six months in jail, a three-year license suspension and a $1,075 fine, while maximum penalties for a first-time “high test” offender are six months in jail, a three-year license suspension, a $1,075 fine and mandatory yellow OVI license plates.
Best Cheap Car Insurance in Ohio for 2018
C heap car insurance in Ohio isn’t always easy to find. Prices vary quite a bit depending on the insurance company you get a quote from, as well as personal factors such as your age and credit history.
To help Ohioans navigate the car insurance market quickly, NerdWallet looked at rates from the 10 largest insurers in the state and found the three cheapest options for these driver categories:
Also in this article
Cheapest for good drivers
For drivers with no at-fault accidents, DUIs or moving violations.
The average for good drivers among the three cheapest insurers was about $727 per year. Grange and Erie delivered the cheapest prices in our analysis — about $47 and $51 per month, respectively — followed by Geico.
Cheapest for young drivers
For drivers in their early 20s.
D rivers in their early 20s are just starting out and usually don’t need as much coverage as older motorists who have families to protect or significant savings to lose in a crash lawsuit. We looked at rates for young drivers carrying the minimum required coverage.
Grange offered the lowest average price in our analysis, $258 a year, followed by Erie and Geico. Some of the quotes we found were over $1,100, so even if you don’t need full coverage, it’s still smart to shop around.
Cheapest for drivers with one at-fault crash
C ausing a crash almost always results in a price increase when you renew your policy. This is a good time to shop around and see if you can find better quotes elsewhere, since rates often vary widely for drivers with crashes on their records.
For example, Erie had the best deal for this group at $797 per year. That’s $231 more than the lowest average price we found for drivers of the same age with no crashes. The next cheapest estimate was $1,105 per year from Grange, which is $539 higher than the best rate for crash-free motorists.
Cheapest for drivers with poor credit
For drivers placed in the “poor credit” tier.
M any insurers consider credit-based insurance scores a useful indicator of how likely customers are to file future claims. This explains why people with poor credit tend to have trouble getting cheap car insurance in Ohio.
Grange delivered the lowest rate in our analysis, $902 per year. That’s $336 more than the cheapest price we found for drivers with good credit and $105 higher than the best deal available for those with an at-fault crash. Geico was the next most affordable option for motorists with credit issues, with an average quote about $555 per year more than Grange’s .
Cheapest for retired drivers
For drivers in their mid- to late 60s who no longer use their car for commuting.
B ecause they spend less time behind the wheel than people with a daily commute, retirees can find cheaper car insurance than most other motorists, even ones half their age.
We collected rates for retired drivers who use their car 50% less during the year than other groups. The lowest average quote was $484 from Erie, $82 cheaper than the best deal we found for 30-year-old good drivers who commute daily. Grange and State Farm were the next cheapest options, respectively .
Minimum car insurance requirements in Ohio
Ohio car insurance policies must include liability insurance, which covers others’ property damage or injury treatment if you’re responsible for a crash.
The minimum liability limits are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
A serious crash could cause damage that easily surpasses these insurance amounts. To avoid having to pay accident bills out of your own pocket, consider buying more than the bare minimum. You may also want common optional coverages such as collision, comprehensive and uninsured motorist protection.
For more help planning your Ohio auto policy, visit NerdWallet’s guide to car insurance requirements by state .
Alternative car insurance in Ohio
Drivers who can’t get car insurance on Ohio’s voluntary market because of a checkered driving record, poor credit or other factors can apply for coverage through the Ohio Automobile Insurance Plan .
For more help scoring cheap car insurance in Ohio, try NerdWallet’s car insurance comparison tool .
Here’s a summary of where you’ll find the cheapest insurance, by category:
West American Insurance Company
West Insurance Company began its operations in 1923 at the State of California, but eventually moved to the State of Indiana in the year 1995. Currently, the administrative office of the insurance company is located in Fairfield, Ohio.
Bio West American Insurance Company has been given an A rating and best insurance reports of 11354. This makes Bio West one of the most trusted and committed insurance company in operation today.
Company Financial Status
The company is trading at the stock market with the ticker symbol of OCAS and belongs to the 1000 largest US corporations that has a revenue of $1.7 billion in the year 2006 alone. At the end of year 2006, the estimated assets of the company reached $.5.7 billion.
Type of Life Insurance Handled
West American Insurance Company is a casualty and property insurance company which offers both Auto and Homeowners Insurance. It is licensed to work and operate in the following states: Alabama, Arizona ,Arkansas, , Colorado, Delaware, Florida, Georgia, Idaho, Indiana, Illinois, Iowa, Kentucky, Kansas, Louisiana, Miami, Maryland, Minnesota, Montana, Mississippi, Nevada, Nebraska, New Hampshire, New York, New Jersey, Ohio, New Mexico, North Dakota, Oklahoma, North Carolina, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Rhode Island, Utah, Virginia, West Virginia, Washington, Wisconsin and Wyoming.
Group of Companies
West American Insurance Company belongs to the six companies owned and handled by Ohio Casualty Group of Insurers. Its mains products is composed of worker’s compensation, commercial property, personal auto insurance, commercial auto and homeowner’s insurance.
Scope of Operation
At present, the Group is estimated to have approximately 3,400 independent agencies which is in operation in more than forty (40) states but 30% of its net premiums, as per 2005 record, comes from the following states: New Jersey with 11.6 %, Kentucky with 8.7% and Pennsylvania with 9.4 %.
The commercial lines department of Ohio Casualty Corporation provides commercial auto insurance, worker’s compensation and general liability insurance. This is considered to be the main financial arm of the company since it supplies 57% of their net premiums in the year 2005 alone. Typically, the clients of Bio West Insurance Company are from small businesses that has few hired employees who needs packaged products of coverage. According to its performance in the year 2005, half of the premiums from this department came from artisans and contractors, 19% came from merchants, 19% came from businesses while the remaining 6% came from other types of businesses.
Personal Line Segments
The personal line segments of the company also provide significant percentage of premiums, equivalent to 33% of the company’s earnings. This are personal homeowners and auto insurance policies particularly sold to individuals rather than groups. The most common of all are the umbrella type policies, surety and fidelity coverages which the companies offers as its specialty lines. Nevertheless, this is types of policies are only sold to policy holders who have initially purchased commercial automobile or general liability policies.
Liberty Manual has announced on May 8, 2007 its desire to purchase Ohio Casualty Corporation. If this is pursued then expect a one third increase in the scope of operation for Liberty Mutual.
Novak Insurance Agency
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30775 Bainbridge Rd., Suite 100
Solon, OH 44139
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General FAQ 1
What should I do if I’m in a car accident?
1. Call 911 if anyone is injured.
2. Call the police if there are injuries or if the other party(s) is uncooperative.
3. Warn oncoming traffic by setting flares or hazard lights.
4. Do not admit fault.
5. Get names, addresses, phone numbers, makes of vehicles, and license numbers of all other drivers, passengers, and witnesses.
6. Get all other drivers’ insurance information (company, policy number, and contact info).
7. Carefully examine damage to other vehicles.
8. Call your insurance provider immediately.
9. Take photos of the accident location and the vehicles involved.
10. Only discuss the accident with the police or with your insurance representative.
If you don’t have a place to write down the above information, use your phone’s camera to take photos of the other driver’s:
· license plate
· proof of insurance
How do I file a claim?
Call your insurance provider directly to report a claim.
What happens after I report my claim?
In most cases, a claims representative will contact you to discuss what happens next, explain what your insurance policy covers, and answer questions.
Should I buy additional insurance when renting a car?
Coverage can vary by policy. If you have questions, check with us at 1-440-349-2120 to see whatÕs covered in your policy.
I’m selling my car. What do I need to do?
You’ll still need insurance on the vehicle while it is for sale as potential buyers will be “test driving” your vehicle. Once youÕve sold the car, notify us at 1-440-349-2120 so we can remove it from your insurance policy. Make sure to do a bill of sale and keep a copy (to prove dates, etc.).
Depending on where you live, you may be required to notify your local government or Department of Motor Vehicles of the sale. This form is sometimes called a Release of Liability. Should the person who buys your car delay re-registering it, this will be a record that the vehicle changed hands, offering you a layer of protection if the new owner incurs any penalties or fines.
I’m buying a car. What do I need to do?
Call us at 1-440-349-2120 as soon as possible to add the vehicle to your policy and to discuss coverage options and removal of your old car.
If you’re buying a used vehicle, ask for a CARFAX report to check for prior accidents, ownership changes, and service reports.
Can I get a copy of my policy/ID cards?
Check with us at 1-440-349-2120 to find out what option your insurance provider offers.