Auto Insurance
Why Springboro Drivers Trust Bucklew Insurance
Local expertise. We live and work in Warren & Montgomery Counties, so we understand I‑75 traffic, school‑zone risks, and local weather claims.
Personalized coverage. Your dedicated agent tailors limits and deductibles to your budget and driving habits.
Fast claims help. File a claim 24/7; our in‑house team follows up until you’re back on the road.
Ohio Auto Insurance Basics
Minimum liability limits in Ohio (25/50/25)
$25,000 bodily injury per person
$50,000 bodily injury per accident
$25,000 property damage per accident
These numbers meet the law—but medical costs and vehicle prices often exceed them. Most clients choose 100/300/500 or more and many add an umbrella policy for extra peace of mind.
Required vs. Optional Coverages
| Coverage | Required? | What it Protects |
|---|---|---|
| Liability | Yes | Injuries or damage you cause to others |
| Uninsured/Underinsured Motorist | No (highly recommended) | Your injuries if the at‑fault driver has no insurance |
| Comprehensive | No | Theft, hail, fire, falling trees |
| Collision | No | Damage to your own car in a crash |
| Medical Payments (MedPay) | No | Medical bills for you & passengers |
| Roadside Assistance | No | Tows, jump‑starts, lock‑outs |
| Rental Reimbursement | No | Rental car while yours is repaired |
Discounts That Put Money Back in Your Pocket
Bundle & save. Combine auto + home or renters—average 17% savings.
Safe‑driver telematics. App tracks good habits and rewards you.
Good student. 2.5 GPA or higher? Save more.
Paid‑in‑full. Avoid installment fees and save 8–10%.
Not sure which discounts you qualify for? Ask us when you request your quote.
Ready to learn more?
Fill out the quote form now and we’ll connect shortly to review coverage choices and secure top-tier protection at the right price.
FAQ
What are Ohio’s current minimum liability limits?
Ohio law requires 25/50/25 liability ($25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage). Driving without at least this coverage can result in fines, suspension, and SR-22 filings.
How do I know whether I need more than the state minimum?
Minimum limits protect only the other party. If you’d rather not pay out of pocket after a serious crash, consider higher limits (e.g., 100/300/300) or an umbrella policy. We’ll model several scenarios so you decide what level feels financially sound.
Can I show proof of insurance on my phone instead of a paper card?
Yes. Ohio Revised Code §4509 allows drivers to present proof of financial responsibility on an “electronic wireless communications device” (smartphone, tablet, etc.).
How quickly will I receive an ID card after binding coverage?
Minutes, not days. The moment you bind your policy, we generate a digital card and mail a hard copy the same day so you can register a vehicle or hit the road immediately.
What discounts could lower my premium?
Common savings include safe-driver, multi-policy, good-student (B average or higher), telematics, and paid-in-full discounts. Bundling auto and property insurance is typically one of the largest discounts.
How will adding a teenage driver affect my costs?
Expect an increase—new drivers are higher risk—but you control the final impact. Defensive-driving courses, good-student status, and a safe vehicle with modern safety tech can soften the bump.
What should I do immediately after an accident in Springboro or the surrounding cities?
Move to safety and call 911 if needed.
Exchange insurance info and take photos.
Contact us or our claims line—day or night—to start the process.
Follow up with a police report number when available.
How often should I review or update my policy?
At least annually—or sooner if you buy a vehicle, move, add a driver, or achieve a life milestone (marriage, new job, college). A quick review ensures your coverage and discounts still align with your current needs.