Do you want cheaper auto insurance in Toledo? Auto Insurance Center is here to provide you with the best cheap auto insurance rates and help you learn more about your city.

Located on the western end of Lake Erie, Toledo is known for its glass industry and is “The Glass Capital of the World.”

Because of conflicts with Native Americans, settlement in Toledo did not happen until after Ohio became a state in 1803. Toledo was incorporated as a city in 1836, combining local cities in the area, Lawrence and Vistula.

Building the Erie Canal helped boost Toledo’s population in the mid 1800s, which evolved into a growing seaport. The addition of the railroad in Toledo helped bring various industries into the city, including carriage makers, breweries, furniture companies and glass companies.

During the late 19th century, Toledo became a target for the Progressive reformers and saw an influx of immigrants.

Toledo attractions include: Toledo Botanical Garden, Toledo Museum of Art, Toledo Zoo, Imagination Station, Wildwood Manor House and Maumee Bay Brew Pub.

The Toledo Speedway hosts local events, concerts and stock car racing. Toledo is also home to the AAA baseball affiliate of the Detroit Tigers, the Mud Hens. In addition, the Inverness Club has previously hosted six USGA events, including 1993 PGA Championship.

Toledo Driving Conditions

Toledo is classified as a humid continental climate. The annual high temperature is 61.5 degrees and the annual low temperature is 45.3 degrees. Summers are warm and humid, while the winters are cold and often snowy. Precipitation also varies during each season and Toledo is prone to severe storms.

The average commute in Toledo is 20 minutes, as drivers travel from both sides of the Ohio-Michigan border.

Crime Statistics

According to the 2015 Crime in the United States report, Ohio had 300,525 accounts of property crime and 17,229 accounts of vehicle theft. Within cities and metropolitan areas in Ohio, vehicle theft was reported 16,178 times.

Ohio Driver’s Licence

As a legal resident of Ohio, you’ll need to obtain an Ohio driver’s licence. You will need to bring your current out-of-state driver’s licence, proof of your full legal name, proof of your Social Security number, proof of Ohio residency and proof of citizenship or legal presence to the DMV.

In addition, you will have to take a vision screening and pass the knowledge test.

Seat Belt Laws

Every driver and front seat passenger must wear a seatbelt in Ohio. Violators may have to pay a fine, ranging from $20 to $30.

Children under 8 years old must ride in a booster seat or other appropriate child safety seat, unless they are 4 feet, 9 inches tall. Fines range from $25 to $75.

Cell Phone & Texting Laws

Though cell phone use is not banned in Ohio for adults, drivers under 18 years old are not allowed to use a cell phone while driving, unless for emergency purposes.

In 2013, Ohio passed a law banning texting while driving. This same law also prohibits drivers under the age of 18 to use cell phones or other mobile devices. Those under the age of 18 caught texting or using a cell phone while driving will face a $150 fine and 6 month license suspension. Adults caught texting and driving could face a fine of up to $150.

Odd Law

In Ohio, it is illegal for more than five women to live in a house together.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.