Auto Insurance: What to Know When Buying a New Car 

Purchasing a new car in Ohio comes with significant responsibilities regarding auto insurance. Our team is here to guide you about the required and optional insurance coverage in the state to help you safeguard your finances.

Understanding Ohio’s Auto Insurance Requirements

Ohio law requires drivers to carry minimum amounts of liability coverage for third-party bodily injuries and property damage. You must show a valid proof of insurance when registering your new car or if requested by law enforcement.

Coverage Options for New Car Owners

When buying a new car, it’s wise to consider additional endorsements beyond the state minimums. Some of the most common choices include:

• Collision coverage: This covers damage caused by hitting another vehicle or an object.
• Comprehensive coverage: This can pay for repairs if your vehicle is damaged by falling objects, fire, natural disasters, theft or vandalism.
• Gap coverage: This covers the difference between your car’s value and what you owe on your loan if your vehicle is totaled.
• Medical payments (MedPay) coverage: This can pay for you and your passengers’ medical expenses after an accident, regardless of fault.
• Uninsured/underinsured motorist coverage: This covers your losses if you’re hit by an at-fault motorist who doesn’t have insurance.

If you finance or lease a vehicle, the lender typically requires full coverage insurance. Our agents can help you meet the lender’s requirements.

How Outcalt Kerns Insurance, LLC Can Help You

We specialize in helping drivers find the right auto insurance for their needs. We’ll walk you through your options, explain state requirements and help you select coverage that fits your budget and lifestyle. Whether you’re buying your first car or upgrading to a new model, we’re here to make the insurance process simpler and easier to understand.

Contact us today if you’re interested in a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.