Skip to content
Click to Call
America's Top Insurance

800 Cross Pointe Rd STE G
Columbus, OH 43230

Get Directions

Insurance Blog

Is basic auto insurance the right choice for you?

Basic auto insurance is what the state requires that you carry. In Ohio that is liability insurance in the amount of 25/50/25. In Gahanna, OH, our team of independent agents at America’s Top Insurance make sure that all of our customers are in compliance with the law but additionally have auto insurance that is the right choice for them. 

Is basic auto insurance the right choice for you?

Liability insurance is vital coverage, it protects your assets from injuries and legal action that may result from an accident that you are responsible for. But if you have an auto loan or are leasing your vehicle, you will also need to protect the vehicle which the lessor and the lender still have an interest in. This requires that you also carry collision and comprehensive coverage. They may also require underinsured and uninsured driver insurance coverage. 


Collision insurance will pay to repair or replace your vehicle if it is damaged in an accident when you are the responsible party. It will also cover damage resulting from a hit-and-run. There is a deductible that must be met before payment is received. 


Comprehensive coverage repairs or replaces your vehicle if it is stolen, vandalized, caught in a flood, or damaged by hail, wind, or other weather-related events. It also covers glass, so your windshield can be replaced if damaged. A deductible will also apply. 

If you have an old vehicle with little or no value, don’t own a home, or have assets then basic insurance is a good option. However, the liability levels are probably not adequate if you own a home or have assets. 

Reach Out To Us

Contact America’s Top Insurance if you are a resident of Gahanna, OH or the surrounding area. Our agents will make sure that you have not only basic insurance but any other coverage you need. 

  • BHHC
  • Cover whale
  • Hanover Insurance
  • JM Wilson
  • Liberty Mutual
  • National General
  • Openly
  • Progressive
  • Travelers
Featured Servicing Stastes


  • Auto
  • Home
  • Commercial
  • Boat/Watercraft
  • Condo
  • Flood
  • Life
  • Motorcycle
  • Renters
  • Umbrella
  • Alabama
  • Arizona
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Kentucky
  • Maryland
  • Mississippi
  • Missouri
  • New Jersey
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • West Virginia
Featured Testimonials

Why Work With Us?

  • Locally owned and operated
  • Policies that meet & exceed expectations
  • Get an annual policy review


Read More

Quotes made Easy!
Get started today.

Let's Go!