Auto Insurance in Dayton, OH

Your auto insurance can be tailored to meet your needs. It’s important to work closely with your agent to get car insurance appropriate for your situation. Contact Universal Insurance Agency in Dayton, OH, to learn more about your auto insurance options.

How Does My Driving Record Affect My Auto Insurance Rates?

If you have a history of accidents or moving violations, your car insurance rates are likely higher than those of someone with a clean driving record. However, if you have a safe driving record, you may be eligible for discounts and lower rates from your insurance company.

Your agent can help you shop around for the best possible rates on car insurance, even if you have tickets or accidents in your driving history.

Can I Get Auto Insurance Without Owning a Car?

Yes, you can generally get auto insurance without owning a car. Non-owner car insurance policies are designed for individuals who frequently rent or borrow vehicles and need liability coverage.

What Is SR-22 Insurance and When Is It Required?

SR-22 insurance isn’t insurance but refers to a form some Ohio drivers must have. Ohio drivers convicted of serious driving offenses, driving without insurance or multiple moving violations may receive notice that they must have an SR-22 form filed with the Ohio Bureau of Motor Vehicles.

An SR-22 form demonstrates that drivers are complying with the state’s financial responsibility laws (e.g., by having auto insurance that meets the state’s required minimums), and drivers who have had their driving privileges suspended may need to file an SR-22 to have their privileges reinstated.

Contact Us

Contact Universal Insurance Agency today to get personalized car insurance quotes.