Get the car insurance coverage you need at a price you can afford. Serving Elyria and all of Ohio.
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event.
Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
As a local, independent insurance agency, Savoy Insurance Group can help you find the right policy for your car by comparing quotes and coverage options from several top providers. We will take the time to get to know you and your auto insurance needs, in order to make sure that you get the coverage that you need for the best cost. In addition to cars, we also can insure your motorcycles, classic cars, motor homes, boats, Jet Skis and ATV’s.
Request a free online quote or call us at 440-365-0435 to get started today.
How Much Auto Insurance Do You Need?
With decades of experience in auto insurance in Northeast Ohio, our team is prepared to serve your auto insurance needs. We are more than happy to walk you through Ohio’s auto insurance requirements to ensure that you understand your vehicle’s coverage.
Auto insurance requirements vary by state. In most states, to drive you must carry:
- Liability coverage — to pay for losses you cause others, or
- No-fault coverage — to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
- Both liability and no-fault coverage
Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply.
We write insurance in Ohio and would be happy to help you ensure you have the right coverage for where you live.
Financing a Car?
To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:
Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually includes an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive Insurance (Other than Collision)
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it’s not legally required by any state, you will probably need it if your car is financed.
Car Insurance FAQ
What do I do if I get into an accident?
Stop as soon as the accident happens, ensuring not to stop traffic around you. Once you have ensured that everyone involved in the accident is safe, report the incident to the local police. Assist anyone that might be injured, and collect the names, phone numbers, addresses, and vehicle information of all those involved in the accident. Once you are home safe, give your insurance agent a call, and they will walk you through your options. If you need to file a claim, your agent can direct you to the right resources, and provide counsel about your coverage.
Can I insure my antique or classic car?
Yes! Antique and classic cars need insurance, too. Savoy Insurance Group has partnered with a number of companies that offer specialty auto insurance that protects antique and classic cars, as well as vehicles used for car shows. Learn more about your classic car insurance options.
What can I do to get a lower auto insurance rate?
There are a wide array of factors that influence your car insurance premium. The type of car that you drive, your driving history, as well as any driver training you have taken, among other factors, can have an impact on your car insurance rates. Enrolling in a driver safety course can help to lower insurance rates for high risk drivers. Further, choosing to drive a safer, perhaps slightly older vehicle can also lower your auto insurance rate. Insuring other interests, such as your home, condo, or rental property, with the same company that you insure your cars can also provide a hefty discount.
For more information about lowering your car insurance rate, give Joe and Kate a call at (440) 365-0435. One of our agents would be more than happy to walk you through your options. Request a free quote today.
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