Ohio Auto Insurance Coverage - Simon Insruance Agency

Ohio Auto Insurance Coverage

Every business is unique, and each faces different exposures. We make it our business to become experts in your business so we can identify the key exposures you face, and then provide the best coverage solutions to address the risks of loss.

We work for you to provide the security and peace of mind you deserve so you can spend more time running your business and less time worrying about your insurance. It's a simple philosophy, but one that many Ohio businesses have come to expect from the licensed advisors at Simon Insurance Agency. We appreciate these lofty expectations, we look forward to exceeding them for our current clients, and we continually strive to help prospective clients increase their expectations of their insurance protection.

Our Personal Insurance Products Include:

Ohio Auto Insurance

There are several ways you can purchase insurance for your car(s). You can buy it over the Internet at literally hundreds of different web sites. You can call a 1-800 number and buy it over the phone directly from an auto insurance company. You can call an insurance agent. In some cases, you can buy it at your bank or credit union.

It's not surprising you can buy it so many ways. After all, there are hundreds of insurance companies that sell auto coverage in your area. How do these companies differentiate themselves? Some brag about their superior service when you have a claim. Some tout how easy it is to buy from them. But often, auto insurance companies try to compete on price, just as if you were buying a plane ticket, a radio or can of pop.

Tip. Some people believe auto insurance is just a commodity. It's not.

You're not buying a can of pop. You're protecting your financial well being and the choices you make could affect you for the rest of your life.

But before explaining how complex auto insurance products are, let's talk about price. It's pretty complex too.

No Insurance Company has the Lowest Price for Everyone

Note. No auto insurance company - no matter what it says in its ads - offers the lowest price for every driver in every location. There are companies that are often among the lowest. And there are companies that are usually among the highest. But no company is the lowest for everybody.

Tip. Also, be aware that prices fluctuate. Sometimes companies "buy the market" with low prices to gain new consumers, then their prices gradually - or not so gradually - sneak up.

They also have to change prices based on their profitability, losses and other factors.

Every company has a slightly different appetite for the risks it wants to take on. Some insurers want only very good drivers who have no tickets and no accidents. Some companies, believe it or not, actually want bad drivers. In fact, these companies specialize in insuring people with poor driving records.

Some companies target drivers who live in certain areas. There are insurers that really like to do business in big cities, and there are others that would prefer to stay away from highly populated areas.

Tip. Remember that sometimes "you get what you pay for." The cheapest option may not provide you or your family with the best protection. The saying goes, "you don't need insurance until you have a claim." When you do have a claim - something that goes wrong - that's a terrible time to discover you don't have adequate protection!

If you think auto insurance is a commodity, consider this:

A person with a good driving record will pay 3, 5, even 10 times less than a driver with a couple of tickets, an accident or who has been cited for and convicted of driving under the influence.

A person who lives in a major city - say Columbus, Cleveland, or Cincinnati - will pay 3, 4, even 5 times more than someone who lives in a rural area or small town, even though the two have the same driving records.

Example. The last two paragraphs are average differences. Auto insurers are all over the map on prices in a given area. Say you live in a relatively rural area and you have a good driving record. One insurance company might charge you $500 a year for a policy that provides most every coverage available. Another insurer might charge you $1,500.

As you can see, it can pay to shop around. Just be sure:

• You really understand the different coverage's in your policy, or,
• You have an agent you really trust who can examine coverage's and prices for you.

Request A Free Quote

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Requesting a free quote is easy, straight forward and time saving!

All we need from you is some basic information to get the process started. By filling out the form to the left with a few lines of information, it will allow one of our experienced insurance agents to contact you to discuss the different options of the insurance type you requested.

We are here to work for you so that is exactly what we will do. Once we have all the information we need, we will carefully look over all the options that are available to find out the best coverage for the best rate that will fit your needs. Then we will call you back to let you know how much money you saved by switching your business to Simon Insurance Agency.

Thanks for inquiring about insurance through Simon Insurance Agency.

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