seventh most densely populated of the u.s states but has surprisingly the sixth cheapest rates for home insurance . this can be largely attributed to the fact that the buckeye state doesn t suffer unduly with natural disasters such as wildfires or floods earthquakes or hurricanes and tornados which affect other states across the nation . this may be good news for residents but the same low premium costs do not apply equally and depending on where you live property insurance in ohio can also be comparably expensive . good news for the north the best rates for property insurance in ohio are mainly to be found in the northeast of the state with the exception being mason a suburb of cincinnati . mason alongside the north eastern towns of ashtabula medina willoughby and westlake come out on top when it comes to buying property insurance . these five cities and the surrounding areas pay on average 16 % less than the ohio state average for insurance premiums due to having a lower property crime rate than most other ohio towns and cities . bad news for the south on the flip side of the coin southern ohio cities are literally paying for their crimes . property damage and theft is a real problem for cities such as xenia jackson waverly and gallipolis and residents are picking up the tab in their insurance premium costs . severe weather conditions in recent years haven t helped the situation any and residents in xenia can now expect to pay up to 20 % more than the second most expensive city jackson . xenia has a property crime rate 45 % above the national average and to make matters worse the town was almost destroyed by an f5 tornado in 1974 . property insurance in ohio may be reasonably priced as a whole but in xenia you can add a further 50 % to the state average insurance cost . ref https ohioinsurancequotes.net homeowners insurance why buy property insurance ohio small beautiful and expensive spare a thought for the picturesque town of gallipolis . although not as expensive as jackson or xenia gallipolis residents are also faced with higher than normal insurance costs . with less than 4 000 inhabitants gallipolis is a beautiful little town but its idyllic location on the ohio river is driving insurance costs up as the area is prone to flooding after storms or heavy snowfall . for the few thousand residents in gallipolis living in paradise comes at a cost as insurance coverage costs are almost 30 % dearer than the average cost of property insurance in ohio . categories home insurance medical insurance in north carolina march 15 2016 by admin advice to americans looking to buy cheap medical insurance in north carolina the affordable care act the aca commonly referred to as obamacare was supposed to make medical insurance in north carolina accessible to anyone and everyone and obviously as affordable as humanly possible . for a number of different reasons the aca hasn t had the same kind of impact that most people believed it would . it has caused a lot of headache and hassle for a bunch of americans looking to enjoy health insurance and a lot of them are finding it to be more expensive than they expected . thankfully though you will not have to worry about that any longer . all you have to do is take advantage of the inside information we are able to share with you below . you ll be able to get your hands on the very best medical insurance in north carolina at prices that will seem almost too good to be true . take advantage of any government subsidies for starters you need to make sure that you are taking advantage of any and all government subsidies that become available . buying medical insurance in carolina is a lot easier than most will make it out to be when you focus on the plans that are available with subsidies and you ll be able to save quite a bit of money upfront but you ll also pay a lot less as far as your deductibles and co pays are concerned . to save money on health insurance in carolina this is the route to go down push for better coverage at the same or lower price points of course you would have to be at least it would crazy not to take advantage of any and all discounts deals or special offers available when it comes time to purchase medical insurance in north carolina . ref https carolina insurance.net north carolina health insurance tips to buying medical insurance in north carolina a lot of people are under the impression for one reason or another that the price you are quoted when you go to research these insurance options is the price that you absolutely must pay . nothing could be further from the truth . in fact there is often quite a bit of wiggle room for you to negotiate with and you will likely find the cost of your medical insurance in north carolina to drop considerably when you negotiate from a position of strength . compare at least three different offers before you pull the trigger finally you should make sure that you are comparing multiple insurance offers against one another before you sign on the dotted line or pull the trigger . this is the only way to make sure that you are getting the best insurance for your money . categories health insurance arizona auto insurance may 29 2015january 21 2016 by admin the number of car accidents in the united states is an astronomical number . there are over 37 000 fatalities caused by auto accidents every year and another 2.35 million people who are injured or become disabled . this is more than enough reason to have a good auto insurance policy . arizona auto insurance from someone like this is a mandatory insurance . this means every single person operating a motor vehicle is required by law to have auto insurance specifically liability insurance . this law also extends to motorcycles mopeds and even golf carts . the minimum levels of liability are 15 000 for bodily injury for a single person and 30 000 for two people or more . 10 000 for property damage . vehicles registered in arizona need to be insured by a business licensed by the state of arizona . not only do you need to have insurance but you must be able to provide proof of insurance whenever asked by a law enforcement officer . if you are unable to comply with the request of law enforcement agents because you don t have insurance you can be subject to numerous penalties such as getting your vehicle registration suspended or receiving a monetary fine . if your vehicle or license has ben suspended you ll need to contact the motor vehicle department mvd to get your license reinstated . you will need to pay any outstanding fees at the mvd and also be able to show proof of financial responsibility . proof of financial responsibility is more commonly known in arizona as a sr22 form which will be provided to you by your insurance company . not only will you need to show your sr22 to the mvd but you will also need to carry it with you for three years . these are serious offenses that can lead to future problems in other states . if your insurance is suspended in arizona you will not be able to get a driver s license or possibly insurance in another state until the suspension is lifted . when your accounts have been settled your plates and registration are typically immediate reinstated . however there are circumstance which may require up to 24 hours to reinstate your registrations . this makes it very important to be aware of your insurance policy any changes that may occur to that policy and when it needs to be renewed . if at any time you are unsure about the terms or conditions in your insurance policy be sure to contact your insurer to avoid any legal mishaps . categories auto insurance get illinois car insurance quotes may 29 2015december 10 2015 by admin the first step in finding car insurance is to get illinois car insurance quotes to best find the lowest priced policy with the most coverage from https illinois insurance.website illinois car insurance quotes . any quote you receive for illinois car insurance should automatically comply with the states requirement and possess both liability and uninsured motorist coverage . the only thing that you will have to do when you choose your policy is to find out what you want on your policy for additional coverage as well as what you need in your policy . not only can this make finding quotes easier but help you to save money by getting what you need . finding the perfect quote the key to finding your perfect quote is to know what you want covered in the case of an accident aside from the basic liability and uninsured motorist coverage . this may mean that you want to add collision coverage or medical to your auto insurance or maybe you are more interested in comprehensive coverage to avoid paying out of pocket for non accident related damages . no matter what you decided to cover on your insurance policy figuring out what you need and want is the first step to getting your perfect quote . your next step after deciding what you want and need out of your policy is to look for quotes through the various providers that you can find both locally and online . provide each provider with the coverage options you want included in your policy and then receive your quote either over the phone or online . once you have a few quotes then it is time to begin weeding out the policies that you can not afford due to price or that are from companies with bad reputations . weeding out the bad trying to narrow down which company you want to work with on your policy is just as important as deciding what you want on your policy . some companies don t pay out for certain types of accidents or for damages in the case that the accident wasn t your fault . there are some companies who will blame the fine print for their ineffectiveness to work with you on your claims and there are others who will ignore a claim for months until the payout period has passed . these companies obviously carry a bad reputation and should be removed from your options . you can find customer opinions online to best weed out the bad companies and you should be left with the good once this is done . categories car insurance looking for ways to get better new york auto insurance quotes may 29 2015january 21 2016 by admin you would have a bit of an uphill battle on your hands if you were looking to find new york automobile owners that were excited at the prospect of paying more for their new york automobile insurance than absolutely necessary . unfortunately almost all new york drivers are paying more for insurance than they should be and many of them are unaware of this fact and keep on paying those sky high premiums . here are just a couple of tips and tricks to help you reduce the amount of money you spend on your auto insurance starting off with finding the right new york auto insurance quotes from https newyork insurance.website new york auto insurance . always research multiple new york auto insurance quotes before moving forward you need to not only make sure that you are taking advantage of all