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Ohio Auto InsuranceWhat is auto insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Questions to ask your agent

Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Ohio

Ohio is a Midwestern state in the United States. Ohio is the 34th most extensive, the 7th most populous, and the 10th most densely populated of the 50 United States. The state's capital is Columbus.

The Anglicized name "Ohio" comes from the Iroquois word ohi-yo’, meaning "great river". The state, originally partitioned from the Northwest Territory, was admitted to the Union as the 17th state (and the first under the Northwest Ordinance) on March 1, 1803. Although there are conflicting narratives regarding the origin of the nickname, Ohio is historically known as the "Buckeye State" (relating to the Ohio buckeye tree) and Ohioans are also known as "Buckeyes".

The government of Ohio is composed of the executive branch, led by the Governor; the legislative branch, which comprises the Ohio General Assembly; and the judicial branch, which is led by the Supreme Court. Currently, Ohio occupies 18 seats in the United States House of Representatives. Ohio is known for its status as both a swing state and a bellwether in national elections.

Tom Jones Insurance

Tom Jones Insurance has been serving the insurance needs of individuals, families and businesses throughout the Central Ohio area since 1966.  Our primary objective is to establish a relationship – a partnership – between you, our office, and the insurance company. 

As an independent agency, we sell all lines of insurance, including auto, home, and business, from many different companies.  This gives us the ability to find the best fit for you.  We believe insurance is a personal thing that should cater to each individual's specific needs.  In order to ensure proper coverage for each unique situation, we spend some time getting to know you so that we can determine which products best meet your needs. Contact us today for a free Ohio auto insurance quote at 740-467-2040.

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