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Basic limits also know as state minimum liability limits are never the best option.  Basic limits give an insured the lowest limits of liability that can be purchased by a policy holder - it's the minimum allowed by the Ohio state law. The basic limits are the ones in which the base rates are developed. 

We always recommend higher than the state minimum auto coverage.  The state minimum auto limits in Ohio are 12,500/25,000/7,500.  This only gives you $12,500 to any one person you may cause bodily injury to in an auto accident.  One trip to the ER can cost much more than the Ohio state minimum coverage amount.  When you think you might be able to save a few bucks by just squeaking by, you better think again.

Ohio auto state minimum liablity limits

Ohio State state law only mandates that you carry $7,500 in property damage liability.  If you run a red light, and total a brand new Mercedes Benz, do you think $7,500 will coverage the damages?  Don't think so.  While you think you may be saving by purchasing state minimum coverage you better think again. One accident could have you paying for the rest of your life by not having the correct liability limits.

To increase your limits of liability on an auto policy it only cost pennies on the dollar. So make sure you know what your buying.  Let us shop for you and we can show you how to save....

 
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