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Home > Products > Auto / Car Insurance - Troy OH & Piqua OH

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Form
Auto Quote Short Form

Auto Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Request ID Card for Auto Policy

Auto Insurance Information

Every driver wants to be safe behind the wheel. Car insurance is there to help you reach that goal. You can’t prevent every accident, but the right policy is there to help you afford the often-costly expenses that might arise from these hazards.

Your policy can be a lifesaver if you tailor it to your advantage. That’s why the agency team at Koverman Staley Dickerson Insurance Agency will go above and beyond to help you design coverage that is guaranteed to help you feel secure as a driver. Our premium auto insurance solutions come from some of the best carriers in the industry, and we’re committed to helping you find the policy that offers you optimized protection that’s easily affordable.

Common Car Insurance Questions

How Does Auto Insurance Work?

Cars cost money, and driving is a risky business. After all, you never know when you might have a wreck, whether a tree will fall on your car, or if someone will sue you because you ran into them at a stoplight.

Any of these scenarios might prove expensive, and anyone might feel overwhelmed by the costs. However, auto insurance will pay for many of these losses on your behalf. Your risk of a financial loss from driving hazards will be a lot lower, and you will have a much easier pathway to recovery.

What Are The Different Types Of Auto Insurance?

There are numerous types of car insurance, and each applies to a different loss scenario that might arise following an accident. To build an adequate policy, consider buying:

  • Liability Coverage
  • Comprehensive Physical Damage Coverage
  • Collision Coverage
  • Uninsured & Underinsured Motorist Coverage
  • Roadside Assistance & Towing Coverage
  • Rental Car Reimbursement
  • Personal Injury Protection (PIP)/Medical Payments Coverage

What Auto Insurance Is Required By Law?

Ohio, like most states, requires drivers to buy certain auto insurance in order to drive legally. All policies issued statewide must contain at least the following coverage:

  • $25,000 Bodily Injury/Death Liability Coverage per person
  • $50,000 Bodily Injury/Death Liability Coverage per accident (two or more people injured)
  • $25,000 Property Damage Liability Coverage per accident

Liability insurance is required because Ohio is an at-fault state, meaning drivers who cause wrecks must pay for the damage of all of those involved. Liability insurance enables the at-fault driver to pay third parties (other drivers, their passengers, pedestrians, etc.) for the damage and injuries they sustain.

How Much Auto Insurance Do I Need?

Though you only legally have to carry the minimum liability coverage as required by law, we encourage all our clients to buy more expansive protection. Effective ways to improve your coverage include:

  • Increasing your liability insurance limits.
  • Adding physical damage insurance to your plan and increasing your coverage to pay for the car’s replacement cost if you total it.
  • Carrying uninsured/underinsured motorist coverage to protect you from hit-and-run accident losses, or costs caused by at-fault drivers who don’t have appropriate liability insurance.
  • Choosing damage deductibles that you can afford to pay out of pocket. Any claims that fall below your deductible cost will not have coverage.

Keep in mind that at times you might need specialty auto insurance, such as classic car insurance, Mexican auto coverage (for foreign travel), custom parts coverage and other unique benefits.

Also, if you finance your car, then your lender might require you to buy collision or comprehensive coverage to pay for physical damage to the vehicle.

How Much Will My Policy Cost?

Our agents are always happy to work with you to optimize your savings opportunities to keep your plan affordable. Just a few of the financial perks that your plan might offer include:

  • Diminishing deductibles
  • Minor violation forgiveness
  • Accident forgiveness

Plus, we will compare the policy options of multiple insurers to find the ones that offer you the best discounts to keep your premiums easily in line with your budget.

How Do Auto Insurance Claims Work?

If you ever find that you need to make a claim on your auto policy, then we’re here to make it easy on you. We’ll cut through the red tape and long wait times to personally walk you through the process of filing, supporting and receiving a settlement for your claim. Most of our plans offer comprehensive 24-hour customer service lines, and we’ll make sure you’re kept abreast of all the proper steps you need to take throughout the claims process.

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Troy: 937.339.4119
Piqua: 937.773.1734
Tipp City: 937.506.8496
New Carlisle: 937.845.3596
Covington: 937.473.0330
Fairborn: 937.952.8438
Greenville: 937.680.8017
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