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Like everything else, auto insurance rates have changed over the last several years. With an increase in rates for 2009, the average auto insurance premium for residents in Ohio was $1,391, with the national average at $1,735. This made the premium 23% higher in 2009 when compared with 2008, and 2008 rates were 3% lower than 2007. Since many consumers think the state and insurance companies fix the rates, they feel like there is no need to shop around. Fortunately, this is just a myth, and you can find cheap auto insurance for your vehicle in Columbus, Ohio using simple online resources.

Requirements for Ohio Car Insurance

As a driver of a registered vehicle in Ohio, you are required to have liability insurance coverage and must carry proof of your coverage in your vehicle at all times. You must maintain a minimum Bodily Injury Liability limit of $12,500 per injured person and up to a total of $25,000 per accident. You're also required to have Property Damage Liability coverage with a minimum limit of $7,500.

Ohio does not require uninsured motorist insurance but it is highly recommended since it provides coverage for you and your passengers in the event that you sustain injury or property damage during an accident in which the other driver has no liability insurance.

When taking action with a car crash in Ohio, the Tort system is followed. This means that one person must be found to be at fault for causing the accident. Then the at-fault party and their insurance company become legally and financially responsible for all medical expenses and property damage repair costs caused in the accident. For questions about the Tort system in Columbus, you can contact the Ohio Department of Insurance.

Is Your Car Insurance Affected by a Risk Factor?

In 2007, there were 72 vehicles and 107 people involved in car crashes in Columbus, 49 of which were fatal. For cars involved in accidents, the average speed was 35 mph. In the city of Columbus the same year, there were about 6,228 car thefts. The most stolen automobiles included the 1995 Plymouth Voyager, 1998 Honda Civic, 1989 Chevrolet Full Size C/K 1500 Pickup, 2000 Dodge Intrepid, 1997 Chevrolet Cavalier, 1997 Ford Taurus and the 1996 Jeep Cherokee/Grand Cherokee. The top three on the list of auto thefts in this area were the 1994 Buick Century, 1994 Oldsmobile Cutlass and the 1994 Dodge Caravan.

These statistics and others are always used by insurance providers to determine risk factors for potential customers, so keep the following tips in mind when purchasing a vehicle or shopping for cheap car insurance. Save your money and your life by purchasing an automobile with automatic seatbelts and airbags. Take a safety driving course. Practice safe driving habits on major interstates and local roads. Last but not least, avoid purchasing a vehicle that appears on the "most stolen" list. If you already own one of these cars, make sure it is equipped with the necessary anti-theft devices and always make it a habit to park in a well-lit and secured parking area if possible. At home, pull your car into a locked garage with an alarm system if possible. This could protect your car from theft as well as help you obtain cheap auto insurance rates.

Go online today and do more research for ways to lower your car insurance rates. Get some quotes from top list insurance companies in Columbus, Ohio to find cheap car insurance that suits your income and needs.

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Dodge Caravan Parts: Pioneer Minivan Components

The concept of minivan sprung when quite a number of young households began to feel the need for a vehicle that could accommodate a growing family. They wanted a vehicle that was modernized, and they wanted something that they could consider as part of their generation. To answer this need, the prominent American automobile manufacturer Chrysler released the Dodge Caravan together with other mini vans: the Plymouth Voyager and the Chrysler Town and Country in the 1980’s. These three were the first modern minivans that came to be available in the market. With the high demand for a new vehicle that could fit a whole family, it was not surprising that the minivans were extremely well-received.

Considered as a mix between a station wagon and a work van that is converted for passenger loading, the Dodge Caravan parts included an engine that enhance fuel economy. That fuel-saving feature was a much needed break from the big V8 powered station wagons and other full size vans of the earlier days. Initially targeting families living in the suburban neighborhoods as its main market, the Dodge Caravan and the other Chrysler minivans became the bestselling units of their kind throughout the United States.

The Dodge Caravan has been around for quite some time now, so it is not surprising that some of its components need to be replaced soon or are already in need of replacement. Made with the precise specifications of the celebrated model, Dodge Caravan parts are guaranteed to restore the performance of one’s minivan. The reputation of the perfectly fitting Dodge Caravan parts became so noted that the model won the Motor Trend Car of the Year award in 1996. With the model’s fourth generation featuring power sliding doors, a revised grille, new back seats, new foglight fascia, and many interior modifications, the Dodge Caravan continues to impress enthusiasts and prospective users with its design that adapts to changing lifestyles just as how it was born.

About the Author

Glady Reign is a 32 year old is a consultant for an automotive firm based in Detroit, Mi. she is a native of the Motor City and grew up around cars hence her expertise in the automotive field.

What is the difference between a Dodge Grand Caravan and a Plymouth Grand Voyager?

I had a caravan and just bought a voyager. Can't tell any difference! I know Plymouth/Dodge is the same corp, so whats the big difference in vehicles?
I beg to differ about the gas guzzling! My Dodge Grand Caravan got pretty decent gas mileage. Plus, it's not an option to put 3 kids (2 in car seats) in a tiny little fuel economic car! But thanks for your input!

just little things like the look of the grille and emblems,. Nothing really. The grille is the big change.

Police: Man had 2 stolen vehicles
A Hazleton man who police found with two stolen vehicles with altered identification numbers faces criminal charges, court papers said.Hazleton police charged Jose A. Guzman Uribe, 21, of West Fifth Street, with receiving stolen property, alteration/des

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