Whether for your car, truck, SUV, or your Motorcycle, Boat or ATV, Summit Insurance can help you with your coverage needs. We know how to find the best company and coverages for you. We'll explain all you need to know about insuring your vehicle - review your coverage options and needs, what to do if you have a claim and more!

We also know your auto insurance needs change with time. So if you get married, add a teenage driver, buy a new car, sell an old car, store your car for the winter, or even move, we can help you change your auto policy.

Help - I Need An Ohio Car Insurance Quote. Now What?

Fortunately it's not difficult to obtain an Ohio car insurance quote. We'll help you determine what you must purchase and explain some options for quotes to help you make an informed decision.

Bodily Injury & Property Damage

The State of Ohio requires that every car owner maintain minimum limits of bodily injury and property damage liability insurance. Liability insurance is the only coverage you must purchase. You want to be responsible if you hurt someone in an accident or if you damage someone's property. You can do this by purchasing bodily injury and property damage liability insurance. To be legal you must buy at least $12,500 each person and $25,000 each accident for bodily injury liability and $7500 for property damage liability. Although this is the least expensive amount of coverage and the only type that theState of Ohio requires, this may not protect you in the event of an at-fault accident or if you are sued.

Medical Payments

This optional coverage pays for the injuries to the driver and passengers in the car, and could be very important if a person doesn't have health insurance. It also covers the insured and his/her family as a pedestrian.

Uninsured and Underinsured Motorist Coverage

Reimburses you or your family members or a person you allow to drive your car if you're in accident that's not your fault and the at-fault party doesn't have any or enough liability coverage. This reimbursement is for injuries and other damages.

Physical Damage Coverages

If you have a loan or are leasing a vehicle, the bank will require you to carry comprehensive and collision. If your car is damaged or is a total loss, one of the following coverages, if purchased, will pay to repair or replace it. By having comprehensive and collision coverage, you are known to have "full coverage", meaning you are responsible to others for accidents where you are at fault. In addition, your car will be repaired should it be damaged.

Comprehensive

Known as “comp” for short, pays to repair your vehicle if it is damaged or destroyed while not being driven, or if you hit an animal. It also pays to repair or replace your windshield. Common claims are fire, theft, hail, windshield and deer collisions. Comprehensive is usually written with a deductible, meaning you share in the claim cost with the insurance company. The higher the deductible you choose, the lower the premium.

Collision

Collision pays to repair or replace your car if it's damaged in a collision, meaning the driver has hit another car or object. If you are hit by a hit-and-run driver, and the driver isn't identified, your collision deductible will apply. Collision coverage is always written with a deductible. The higher deductible you choose, the lower your premium is.

Save Time and Money With Summit

We will do the work. We'll review your needs, advise you on the best coverages under your circumstances and provide you with the best possible quote. Whether you need liability-only, full coverage, or additional coverages like loan/lease payoff, your auto insurance agent can customize your policy to ensure you're receiving the best auto insurance coverage possible -- at the lowest rates.

Discounts and Advantages

We'll help you find the company that will provide the best discounts and advantages for you. Some of the discounts available are:

• good driver and good student discounts
• safe car discounts
• multi-policy discounts (home/auto/etc. with the same carrier)
• free windshield repair
• 24/7 claims service
• guarantee on repairs
• flexible payment options and discounts

Motorcycle Insurance

We can help you choose the motorcycle insurance coverages that fit your needs. Coverage options include:

• Bodily Injury & Property Damage Liability
• Comprehensive & Collision
• Uninsured/Underinsured Motorist
• Medical Payments
• Custom Parts & Equipment
• Roadside Assistance
• Lower rates for safe riders, as well as a variety of discounts

> Get a Free Motorcycle Insurance Quote!

Commercial Auto, Watercraft, RV, ATV and other Vehicles.

Summit Insurance also offers Commercial Auto, Watercraft, RV, ATV, dirt bike, moped, scooter, snowmobile, golf cart and Segway insurance.

What To Do If You Are In An Accident

If you've been in an accident, follow these general guidelines:

• Stop at once. Never leave the scene of even a MINOR accident
• Seek medical assistance and summon police.
• Do not admit fault. Do not comment about the accident to anyone but your insurance representative and the police.
• Never accept or make an offer of cash, check or "private" settlement.

Gather accident information:

• Note the date and time of the accident.
• Obtain information on the other driver including: name, address, phone#, make of car, vehicle license# and insurance company.
• Record a description of what occurred, and draw a diagram of the accident showing the direction of both cars and the point of the accident. Include street names and location of traffic signs/signals.
• Report the accident promptly to Summit Insurance Agency.

Click below to file a claim online and call 1-330-655-0655.