Everyone knows they need auto insurance. Auto insurance is required by Ohio State laws, but why do so many people still chance driving without it? The very first offense is stiff – driving suspension with costly fines. But still, the uninsured rate in Ohio is 12% meaning more than 1 out of 10 cars on the road do not have insurance.
Why do some people chance driving without auto insurance? Here are some of the reasons given:
- It’s too expensive. There is a correlation between economy, unemployment and the rate of uninsured motorists. When income is limited, many people decided to cut expenses, especially those that are intangible and are not used. However, auto insurance can be surprisingly low when working with an agency such as Beck Insurance. An independent agency works with a number of carriers to find auto insurance at competitive rates.
- Finding auto insurance is time-consuming. This can be true if looking on your own. Going from website to website to get quotes may be tiring and time-consuming. And, there is the risk that you are not getting the correct coverage or discounts you qualify for. One phone call to Beck Insurance is all it takes for them to start the process of checking for competitive auto insurance rates among multiple carriers. They do the work for you!
- It’s confusing. No one can argue this. There are requirements for auto insurance in Ohio including bodily injury liability and property damage liability. But does that protect your car and any passengers? What if your car is deeply dented or scratched in a parking lot? What if your spouse or teenage child drives your car? All these questions can be answered by Beck Insurance with their 70 years of insurance experience.
- We’ve all heard someone say, “I’m a good defensive driver”, “the risk of an accident is low” or “I only really drive to work and back”. But the statistics talk for themselves. More than 64% of accidents happen during the daylight hours – 119,811 in 2017. And, as much as a good driver as you are, you can’t control the other driver.
Many of the reasons for not having auto insurance can be easily avoided by going through an experienced and independent agency. In fact, it’s recommended as the first step when looking for competitive auto insurance rates. Call Beck Insurance for competitive auto insurance rates for yourself and to protect yourself against uninsured motorists. Beck Insurance works with many families and motorists in the northwest Ohio and Toledo area including Bryan, Defiance, Montpelier, Napoleon, Perrysburg, and Sylvania.