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Auto insurance coverage in Mount Vernon, Ohio
Auto Insurance

Auto insurance for the way Ohio drives

The road to the right auto policy

Your vehicle gets you everywhere you need to be — to work, to your family, around Knox County and across Ohio. Finding the right policy shouldn't be a chore. DePolo & Associates helps you build coverage that meets Ohio's requirements and protects what you actually own.

Owning a vehicle opens you up to real risk. Every state sets a minimum liability requirement for drivers on the road, and Ohio is no exception. We'll walk you through what's required and what's smart for your situation.

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Coverage you can count on

Quality auto coverage worth considering

Going above the state minimum is almost always a smart move. Accidents can exceed policy limits — and when they do, the driver is on the hook for the difference. Adding higher liability, collision, comprehensive, and uninsured-motorist coverage is the cleanest way to keep one bad day from turning into years of financial hardship.

  • Liability (Bodily Injury & Property Damage)
  • Collision
  • Comprehensive
  • Uninsured / Underinsured Motorist
  • Medical Payments
  • Roadside Assistance
FAQ

Frequently Asked Questions

What is the minimum auto insurance required in Ohio?
Ohio requires liability coverage of at least 25/50/25 — that is, $25,000 for injuries per person, $50,000 total per accident, and $25,000 for property damage. This is the legal minimum, not what most drivers actually need. We recommend higher limits for anyone with assets to protect.
What's the difference between liability and full coverage?
Liability pays for damage you cause to other people and their property. Full coverage adds collision (damage to your own car in an accident) and comprehensive (theft, hail, fallen trees, animal strikes — all common in Ohio). If your car is financed or leased, lenders almost always require full coverage.
How can I lower my auto insurance premium?
The biggest levers are raising your deductible, bundling auto with home, maintaining a clean driving record, improving your credit, and using telematics programs like Drivewise. Annual policy reviews — which we do for every client — catch cases where your rate drifted up or your coverage no longer matches your life.
Do you cover motorcycles, boats, ATVs, UTVs, and RVs?
Yes. We write separate specialty policies for motorcycles, boats, ATVs, UTVs, and RVs. These aren't automatically covered by your personal auto policy — if you own any of them, make sure we know.
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