Ken Boldt Insurance Agency II, Inc.

2205 Greensburg Rd
Green, OH 44720

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Understanding Comprehensive Auto Insurance

Spring is a great time to review your auto insurance coverages to ensure you have the protection you need. Ken Boldt Insurance Agency II Inc. is here to help Green, OH drivers understand your coverage options. 

What is Comprehensive Auto Insurance?

Sometimes known as ‘other than collision’ coverage, this type of auto insurance protects your vehicle from damage from vandalism, theft, fire, civil disturbances like riots, natural disasters, and falling objects. Much like collision coverage, you’ll have a deductible to meet before the claim covers the remainder of your repairs. 

What’s Not Covered by Comprehensive Coverage?

Some types of damages are not covered by comprehensive. These include:

  • Collision damage to your vehicle. 
  • Collision damage to another person’s vehicle. 
  • Maintenance issues. 
  • Water damage related to maintenance issues – like a seal failure or leaving a window open. 
  • Medical expenses for yourself or your passengers that result from an accident. 
  • The cost of a rental while your car is under repairs or non-driveable. Talk to your agent if you will need another set of wheels while yours is out of commission. 

Does Green, OH Require Comprehensive Coverage?

Ohio state law does not mandate that drivers carry comprehensive coverage, but your lender might require it if you are currently leasing or financing. 

Should I Carry Comprehensive Insurance?

The best way to answer this question is to consider how much your vehicle is worth. A good rule of thumb is to consider the rate you’d pay to carry comprehensive and collision coverage and multiply that by ten. If that exceeds the value of your car, it may not be the best investment for you. It’s best to discuss your options with a knowledgeable insurance agent. Call Ken Boldt Insurance Agency II Inc. today; our friendly staff can answer your questions and help you get the coverage that best meets your needs. 

Why do Ohio drivers need auto insurance?

People that live in the Green, OH area will continue to benefit from having owned a car. If you are going to look into purchasing a new car in this area, you should make sure that you get the right insurance. There are many reasons that someone should get an auto insurance policy when they are in this area of the state. 

Insurance is Needed to Cover Vehicle

A common reason that people will choose an auto insurance plan when they are in this area of Ohio is to ensure that their vehicle is covered. If you would like to buy a car when you are here, you will want to know that it is covered if it is stolen or damaged. With a proper insurance plan with collision and comprehensive protection, you will get this coverage to protect your vehicle.

Insurance is Mandated by Law

Drivers all over Ohio also need to get auto insurance to ensure they comply with the state law that requires drivers to have liability coverage. With a liability plan, you can cover damages that may be caused by accident. To ensure that all drivers can cover restitution, the state requires that all vehicle drivers carry a full liability insurance plan when driving at all times. 

If you would like to get an auto insurance plan when you are in the Green, OH area, it would be beneficial to call Ken Boldt Insurance Agency II Inc. many important factors go into picking an auto insurance plan. If you call Ken Boldt Insurance Agency II Inc., you can get the insight you need to build and choose an auto insurance plan that is ideal for you and meets your needs. 

How to Care For Your Vehicle

Your auto insurance is there to help in the event of an accident or other issues with your vehicle. However, if you want to extend the life of your vehicle, you need to do what you can to care for it. Our staff here at Ken Boldt Insurance Agency II, Inc. has several tips and suggestions for you, so if you live around Green, OH, here are a handful of tips and recommendations you need to follow. 

Maintenance Schedule

Follow the recommended maintenance schedule listed in your owner’s manual. This indicates when certain fluids need to be changed, wheels need to be rotated, and when parts need to be installed. It helps you avoid more costly repairs. 

Check Your Fluids

Speaking of fluids, it is crucial to know how to check your fluids. This is a simple process, but one that keeps your vehicle running smoothly. Fluids like your engine oil, transmission oil, power steering fluid, brake fluid, and coolant can be topped off, which will help maintain your vehicle performance (just make sure not to overfill). 

Car Wash

Take your vehicle in for a regular car wash. This is especially important during the winter months when there is snow salt that will stick to the underside of your vehicle and rust it out. The regular car wash will remove this. Just make sure to get the undercarriage cleaned during the wash. 

Insurance Coverage For Your Vehicle

While you can do your part to take care of your vehicle, you’ll want your insurance provider to do its part to protect your vehicle as well. Our staff here at Ken Boldt Insurance Agency II, Inc. will help connect you with the right auto insurance. If you live around Green, OH, give us a call today. 

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