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Harrison West Car Insurance

Harrison West car insurance is a wise investment for all residents of this historic neighborhood. The bills that pile up after an accident can catapult you into debt, depleting your savings, ruining your credit score and even causing you to liquidate assets like your home to cover the expenses. Proactive drivers who invest in Harrison West car insurance can rest assured that their finances are safeguarded with a comprehensive policy.

Harrison West is a neighborhood near downtown Columbus, OH. Characterized by historic Victorian and Edwardian homes, Harrison West is a fairly modest neighborhood, home to middle class families. Recent redevelopment of the area has revitalized the 3rd Avenue commercial district bisecting Harrison West. The gentrification of this neighborhood brings with it increased traffic and more opportunities for car accidents. Not even the safest drivers can control other people's actions, so protect yourself with Harrison West automobile insurance.

Shopping for a Policy

Car insurance companies in Columbus bombard us with witty commercials, and there are dozens of options available to you. All of these choices with so little information for comparison can be overwhelming, and it may be tempting to choose the company with the cleverest mascot. But rates can vary by hundreds of dollars for the same coverage, and not all providers have great customer satisfaction histories. Be a smart consumer by doing a little research before you buy.

The first step is deciding whether you want a local agent or a direct dealer. Direct dealers operate online and over the phone with no physical office to visit. Instead of an agent, you deal with customer service representatives, and you may never speak to the same person twice. Policies tend to be a bit less expensive, and you can take your policy with you if you move elsewhere in Ohio.

Harrison West agents offer a more personal experience. You work with one agent every time, and you can visit her office to talk about your policy. Premiums are somewhat more expensive to account for commission. A good agent can anticipate your changing coverage needs as your family evolves and your finances change.

From there, start soliciting Ohio car insurance rate quotes. Experts recommend comparing rates from at least four companies. You will need to provide some information about the car and the primary driver to get an accurate quote, including make, model and VIN of the vehicle, driver's license number and some information about driving habits. Rates vary based on how much coverage you decide to buy. If you are not sure about your needs, simply start with the state minimum requirement for liability, 12.5/15/7.5; an agent can later help you decide just how much Harrison West car insurance you need.

Price is important, but don't just settle for the Harrison West auto insurance provider with the lowest bottom line. Check customer service ratings from several sources to be sure you will get the service you need if you are ever in a car accident. The Ohio Board of Insurance keeps record of consumer complaint ratios, the number of complaints a company receives per 1,000 claims. Another resource is the customer satisfaction data agency J.D. Power & Associates. Be wary of online reviews from an unofficial source; these often reflect only the worst experiences without context and may be unreliable.

Uninsured Motorist Coverage

State law requires all drivers to carry liability insurance. The minimum required limits are 12.5/25/7.5. If you cause a car accident, your Harrison West car insurance policy will pay $12,500 for medical payments per person in the other car up to $25,000. It will also cover $7,500 in car repairs and other property damage for the other driver.

It is estimated that 15 percent of OH drivers are uninsured, and that number tends to be higher in large cities like Columbus. If you are hit by an uninsured driver, there will be no liability coverage on his end to cover your expenses. Those bills could fall on your shoulders unless you purchase uninsured motorist protection with your Harrison West vehicle insurance, which covers your car repairs and property damage expenses. Your existing health insurance or personal injury protection with your Harrison West insurance policy will help pay your medical expenses.

Even people who have car insurance often do not have enough. State minimum coverage is relatively modest. Considering that half of cars are worth at least $20,000 and medical care is ever-rising, the minimum does not go very far in a serious collision. Uninsured motorist coverage also pays the difference up to your limit if the other driver's liability is insufficient.

Harrison West car insurance is a necessary investment for all drivers. Consult a Harrison West agent or dealer to today to get started building your policy. Fill out our easy-to-use form for more information on Harrison West car insurance providers.

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