Speed Limits Stay the Same in Cleveland While Insurance Limits Do Not

Increases in Cleveland car insurance protect you from financial trouble, increasing your speed over the limit while driving does not.

While vintage things are cool, outdated Cleveland car insurance limits are not.

No one likes paying for Cleveland car insurance; they feel like they are paying for nothing because they rarely, if ever, use it. But it is a state law that you have it so that you are protected financially from other people accidentally hitting you or you accidentally hitting other people. And if you want to keep the price of your insurance as low as possible, don’t do silly things like driving over the speed limit.

Speeding Will Hurt Your Cleveland Car Insurance

To keep you from getting a speeding ticket in Cleveland, here are the basic limits for the State of Ohio per the National Traffic Highway Safety Administration:

• 65 MPH1, established prior to October 1, 1995, on certain interstate state freeways
• 55 MPH for vehicles weighing >8,000 lbs. empty weight and noncommercial busses on interstate and State freeways
• 55 MPH on other freeways inside and outside of municipal corporations
• 55 MPH on highways outside of municipal corporations, except certain freeways
• 50 MPH on controlled-access highways and expressways within municipal corporations
• 50 MPH on State routes within municipal corporations outside urban districts
• 35 MPH on State routes and through highways
• 25 MPH on municipal corporation streets
• 20 MPH in school zones during recess or when children are going to or leaving school
• 15 MPH on alleys within a municipal corporation

A speeding ticket is just one of the traffic citations that will increase the premium of your Cleveland car insurance. Too many of these speeding tickets and you will find yourself no longer qualified for car insurance in what is called the “standard Market”. The standard market is where the bulk of drivers are placed for car insurance.

If you no longer qualify for the standard market, you get moved to the “non-standard market”. When you are moved to this market you have become such a bad driver that no one wants to provide you with car insurance because you have too high of a chance of getting in to a car accident.

Non-standard market insurance has premiums that are extremely high so that the insurance company can prepare for the likely event that you will have a car accident that they have to pay for. Some of these premiums can get so high that you could purchase a nice used vehicle every 6 months with how much you will be paying in insurance.

Cleveland Car Insurance is Required

If you find yourself in the non-standard market because you have had too many speeding tickets, you have one of two choices; stop driving or pay the higher premiums. Going without insurance in Cleveland is not an option, especially for someone with a bad driving record.

The State of Ohio determines the minimum amount of insurance that you have to carry as a driver, and these minimum insurance requirements are enforced by all government entities, including the City of Cleveland. To make sure that you stay out of more trouble with the authorities, make sure you have at least the following Cleveland car insurance coverages.

Before 12/22/13:

• $12,500 in bodily injury liability coverage per person
• $25,000 in bodily injury liability coverage per accident
• $7,500 in property damage liability coverage

On 12/22/13 or after:

• $25,000 in bodily injury liability coverage per person
• $50,000 in bodily injury liability coverage per accident
• $25,000 in property damage liability coverage

As you can see the State of Ohio is trying to stay on top of rising medical and auto repair costs by increasing the amount of car insurance needed. This is not focused on increasing the amount you have to pay for Cleveland car insurance, but to make sure that you have enough coverage to really protect you.