Auto Insurance in Parma, OH

The Right Auto Insurance Keeps You Safe On and Off the Road

A distinctive city in Cuyahoga County, Parma, Ohio is home to more than 78,000 people and sees thousands more each day in its shopping centers. People looking for a traditional mall experience often flock to The Shoppes at Parma to walk more than 800,000 square feet of some of the most popular national retail brands in the country. Nearby Polish Village and Ukrainian Village boasts a range of unique shopping experiences, festivals, and events, as well as many medical offices. The area is so popular that one intersection sees more than 40,000 vehicles daily. When you live, work, and shop in the area, you need to protect yourself with high-quality auto insurance in Parma, OH.

Auto Insurance Tailored to Your Needs

When it comes to auto insurance in Parma, OH, the possibilities may seem endless. That's why VIU by HUB is here to help. We offer a wide range of coverage options that are tailored to meet your needs, whether you drive for hours every day or only head out when necessary. At a minimum, Ohio requires drivers to carry a 25/50/25 liability policy. This provides medical coverage or end-of-life expenses if you're in an accident that injures someone or causes a fatality (up to $25,000 for one person or $50,000 for two) as well as $25,000 to cover damages to vehicles or other property. If you do not carry the minimum policy, you may be fined or lose driving privileges for up to three years.

Keep in mind that regular drivers often need better coverage. You can choose to raise your liability coverage, but the better idea may be to purchase other types of insurance to ensure you're covered in any unexpected situation. For example, liability only covers accidents. If your car is damaged by a fire, hail, or tornado, or if someone damages it by breaking into it, you'll need comprehensive coverage if you want reimbursement. There are several other coverage options to consider as well.

• Medical Coverage –Often, $25,000-$50,000 is not enough to cover medical bills after an accident, especially if more than one person had extensive injuries. A medical coverage add-on policy helps to ensure you don't need to pay out of pocket for someone's medical bills if you cause an accident.
• Uninsured and Underinsured Motorists –Not everybody drives legally and responsibly. If you're hit by an uninsured motorist, you'll need this policy to help you cover the costs of any medical bills as well as the damage to your vehicle.
• Ride Reimbursement –If your vehicle is in the shop after an accident, you'll either need to rely on rideshares or rent a car. We can offer policy protection to meet these needs. 

How To Begin Your Auto Insurance Purchase

When it comes to purchasing car insurance in Parma, OH, the price you pay depends on several factors, including your driving history, whether you already have a policy, the type of car you drive, and what neighborhood you live in.

If you'd like the process of signing up for insurance to go faster, you can bring several items to your consultation. Bring a copy of your current policy if one is available, as well as information on how much you currently pay for your insurance. You'll also need the driver's license numbers of everyone you wish to insure, the vehicle identification numbers for all the cars you'd like to insure, and an estimate of how many miles you drive per year. With this information, we can work to get you the best price possible as quickly as possible.

This information is intended for general informational purposes only and is not intended to constitute legal advice.