Auto Insurance Minimums for Ohio
When applying for a driver’s license or registering a car in Ohio, drivers must show proof of financial responsibility in the form of insurance. The legal requirement for motorists is in the amounts of $12,500 for bodily injury and $7,500 for property damage.

Without proof of insurance in Ohio, drivers who are caught will have their licenses suspended for 90 days during a first offense. A second offense will garner a suspended license for a year. For serial offenders severe measures will be taken with the state revoking both your license plates and your car’s registration. Reinstatement fees for such penalties range from $75 to $500. Because of these offenses you may be forced to get an auto insurance quote for a high-risk policy for a minimum amount of three months. These high-risk insurance policies are more expensive than if you would have purchased coverage in the first place.

So don’t get stuck paying more in a high-risk policy. Getting an auto insurance quote today may give you a cheaper policy than if you would get caught without coverage down the line.

Ohio DUI Law

Driving while under the influence in Ohio will result in mandatory jail time, as well as up to $1,000 in fines. These are harsh penalties for first offenses, and show that when it comes to drinking and driving, Ohio has a no tolerance policy. Multiple offense drivers may even lose their license for life.

The blood alcohol content (BAC) limit for driving in Ohio is 0.08%. If your blood limit is above this you may even face additional penalties. If you are arrested for driving under the influence, you will have your license suspended for 90 days, serve a mandatory 72 hours in jail if your BAC is above 0.08% and will pay between $350 and $1500 in fines. In some cases, you may have to enter a drinking and driving intervention program, which you must pay for out of pocket.

Ohio Teen Driving Laws/Auto Insurance Requirements

Because teen drivers account for the greatest number of automobile fatalities each year, Ohio has adopted the Graduated Driver Licensing (GDL) program in hopes of teaching teens proper driving skills and safety measures at a young age.

The first step toward obtaining a license includes receiving a learner’s permit. In order to receive a permit, teens must be at least 15 1/2 years old. After receiving a permit, the teen must complete at least 24 hours of classroom instruction, 50 hours of driving (and ten hours of driving at night), and must have had the permit for at least six months. At 17, a teen may apply for a probationary license.

It is a crime to drive while drinking in Ohio, and teens with a BAC of 0.02% or more may receive a DUI, and their driving privileges will be suspended for six months.

Teens in Ohio must carry the minimum amount of insurance that is mandated by the state, although they are encouraged to carry more than the minimum amount. Students can keep their premiums lower with Good Student discounts and by completing a state approved driver course.

Many pet owners would say that their pets are, without question, part of the family, and just as you’d want your sister to be covered in the event of an accident, you’d want your pet to be too.

Pet Injury Coverage on your auto insurance may be a matter you had never even considered, or perhaps it has been something you’ve been obsessing over for the safety of your pet. The sad truth is that auto insurance companies generally don’t consider pets when they are dealing with claims, but the medical bills for injured pets can sometimes cost as much as those for humans. If you want to make sure your pet can be covered under your insurance, there are some facts to keep in mind.

You may be able to find coverage for your lovable pooch under the other party’s Property Damage Liability insurance. Some insurance companies consider pets as property and not another being, so if the other driver has PDL coverage, their insurer may pay any of your legitimate pet injury claims. However, as the coverage would come from the other party, you must be the victim in the accident and not the cause. PDL coverage only covers the insured when the accident they cause results in the damage or destruction of another’s property. Policyholders are more likely to have PDL coverage if the state has ‘tort’ or ‘at fault’ insurance laws.

If you’re dealing with an accident in a state that has ‘no fault’ insurance laws, instead of looking to PDL coverage, it’s possible that you can find pet injury coverage under your own Personal Injury Protection Insurance. PIP coverage covers medical expenses, lost wages, and other damages, no matter whose fault it was. Typically, PIP would cover everyone in the car, including your feline. However, your coverage by PIP is limited to how much coverage you buy, so if you want to be extra careful or know that your pet would cost much more at the vet, you may want to purchase additional coverage.

You may also find pet coverage under your Collision insurance. Progressive, for example, offers up to $1,000 of free coverage for your pet if they are injured in a car accident, a fire, or a theft. In addition, coverage is extended to any cat or dog that is owned by any relative who resides with you. Other insurance companies include pet injury coverage under their Collision, Comprehensive, or other policy. However, some insurers require you to pay extra for the coverage.

To ensure that pet injury protection is available under your existing auto insurance policy, it’s best to read the fine print on your policy and to talk to your insurance agent to double check your options.

Auto Insurance Minimums for Pennsylvania

In the state of Pennsylvania you are required by law to have minimum liability insurance of 15/30/5. This ratio translates to $15K of Liability Bodily Injury coverage per person, $30K of Liability Bodily Injury coverage per accident, and $5K of Property Damage coverage. This may seem like a lot, but it is very easy to find affordable auto insurance quotes if you take the time to shop around. The Pennsylvania Insurance Department strongly suggests that you purchase more than the minimum amount in addition to uninsured/underinsured motorist protection (UM/UIM).

This is because more than 7% of all Pennsylvania motorists are uninsured; roughly 600,000 drivers defy state law and put you at risk. This does not include the thousands of others that have inadequate coverage. Driving without insurance can result in a fine of up to $300 and the suspension of both vehicle registration and license for up to three months.

The average cost of car insurance in Pennsylvania is $1,724, which really isn’t much when you consider the potential costs of the alternative. Purchasing automobile insurance is simple, especially if you use resources like Save Today. This way you can shop around online until you find affordable auto insurance quotes that suit your needs. Pick the best options, buy it, and avoid the stress and hassle of driving without it and breaking state laws.

Pennsylvania DUI Law

If you are caught drinking and driving in Pennsylvania, you will be arrested and charged with a DUI if your BAC is over the state limit. Because this state takes drinking and driving very seriously, you will likely face license suspension for one year, as well as prison time (up to six months!)

The blood alcohol concentration level limit in the state of Pennsylvania is 0.08%, although if you are caught with a BAC of 0.15% or higher you could face even harsher charges. Drinking and driving may also raise your auto insurance quotes in the long run, because insurance companies will see you as a high risk driver with a history of recklessness on the road.

Pennsylvania Teen Driving Laws/Auto Insurance Requirements

To begin Pennsylvania’s Graduated Licensing program (GDL), teens must be at least 16 years of age. At this age you may apply for a junior learner’s permit, and after obtaining this permit you must wait six months before applying for the next license level. To obtain an unrestricted license, you must be at least 18 years old. This may seem strict, but when one takes into account the number of accidents teens are involved in, it makes sense.

DUI laws in Pennsylvania state that it is against the law for any teen to drive with a BAC of 0.02% or higher. If a teen is caught drinking and driving, they may face license suspension for up to 90 days.

Teens must drive with the Pennsylvania state minimum liability coverage. However, it is strongly advisable for teens to drive with more coverage than the minimum amount. Teens can lower their auto insurance premiums by maintaining a B average in school and completing a state approved driver safety program.

Electric vehicles (EVs) are still hefty initial investments for those who want to save money on gasoline or to save the planet. However, experts say that owners of the Chevrolet Volt and Nissan Leaf may be able to save on their insurance premiums.

Auto insurance companies usually take many factors into account when determining drivers’ auto insurance premiums, including driving history and the perceived safeness of the car’s neighborhood. Another factor they keep an eye out for is the type of vehicle an owner has. Some auto insurance companies are now also taking into consideration whether the car is electric.

According to Kelley Blue’s market analyst, Jack Nerad, owners of electric vehicles are perceived to be more mature than the average driver in their 20s, which may indicate that they’re far less likely to get into car accidents.

It’s still a bit early to tell whether the competition for EV policies will lead to much profit for the car insurance companies themselves, but some are already vying for electric vehicle policyholders. For example, Hartford Insurance announced that 5% discounts to EV owners will be available nationwide by the beginning of next year. The insurer cites their desire to support environmental sustainability to justify their announcement, but some experts suspect that they may be doing so to get a head-start on a possibly lucrative market.

Currently, the average insurance rate for drivers of the electric 2012 Volts who cover fewer than 15,000 miles in a year is about $1,452 for the initial five years. The gas-engine 2012 Cadillac is cheaper to buy than are 2012 Volts, but the average premium for the Cadillac CTS drivers is $2,024.

Meanwhile, for Nissan drivers, the average premium for all-electric 2012 Leaf owners is estimated at $1,513 annually, versus an average premium of $1,801 for the cheaper gas-engine 2012 Maxima.

This is great news for Leaf and Volts owners, but in some cases, car insurance companies may charge more for electric vehicles due to their costlier machinery. Until there is more solid statistical proof that electric vehicle owners are much less likely to get into accidents, many insurers won’t think twice about charging higher insurance premiums.