Auto Insurance
Through our independent insurance companies we offer coverages and limits to protect you and your assets in the event of an accident.
Common Coverages:
Liability Coverage - Covers damages for bodily injury or property damage caused by an auto accident for which you are legally responsible
Medical Payments - Pays medical expenses arising from an automobile accident or from being struck by an automoblie, regardless of fault
Uninsured / Underinsued Motorists Coverage - Insures you for bodily injury resulting from an accident caused by an uninsured or underinsured motorist or a hit and run driver.
Collision Coverage - The impact of your vehicle with another object or vehicle.
Comprehensive Coverage - Glass breakage, falling objects, fire, theft, contact with an animal, windstorm, hail, water, and other perils
Transportation Expense - Offers coverage for a rental car while your vehcle is being repaired for a covered loss
Towing and Labor Coverage - reimburses you for roadside assistance and towing expenses
Auto Insurance in Ohio
At Steiner & Granger, we understand that your vehicle is more than transportation it’s part of your daily life. That’s why we provide comprehensive auto insurance coverage designed to protect you, your passengers, and your finances every time you hit the road. Whether you drive a car, truck, or motorcycle, our policies are built to safeguard you from life’s unexpected turns.
What Does Auto Insurance Cover?
Our customizable policies include essential protections such as liability coverage, collision, and comprehensive insurance. Liability coverage helps pay for damages or injuries you cause to others in an accident, while collision coverage repairs or replaces your own vehicle after an accident with another car or object. Comprehensive coverage protects you from non-collision incidents like hail damage, theft, vandalism, or hitting a deer which is especially common on Ohio’s rural roads.
What Happens If I Hit a Deer in Ohio?
It’s a situation many Ohio drivers know too well. If you hit a deer or another animal, that damage typically falls under your comprehensive auto insurance, not collision coverage. This part of your policy can help cover repairs or replacement of your vehicle, minus your deductible. Our agents can review your current coverage and make sure you’re properly protected before an accident happens because once it does, it’s too late to adjust.
When you hit a deer, and your vehicle is drivable, get to a safe space and give us a call. If your vehicle is not drivable after hitting an animal, call your preferred towing company and call us when you’re able to.
Why Do I Need Auto Insurance?
Auto insurance isn’t just required by law in Ohio it’s essential for financial protection and peace of mind. Without the right coverage, you could be responsible for costly repairs, medical bills, or legal fees after an accident. Having the right policy means you’re not only following state law, but also protecting your wallet and your family from unexpected loss.
Why Choose Steiner & Granger for Auto Insurance?
For more than 30 years, Steiner & Granger has helped drivers across Northwest Ohio find the right auto insurance coverage at the right value. We work with multiple top-rated insurance carriers, allowing us to compare options and tailor a policy that fits your needs, your driving habits, and your budget. Our team is known for fast response times, local expertise, and a commitment to doing what’s right for every client.