Auto Insurance
Safeguard yourself and fellow motorists from the unexpected.
We will find the best insurance policy to fit your budget and needs. Request a quote>>
Know Your Options
With over 6,000,000 car accidents each year in the United States, it’s no surprise that auto insurance is required to drive. Auto insurance is essential to protecting you, your vehicle and your finances. Having the right auto insurance policy can mean the difference between an accident being a minor inconvenience or becoming a major financial setback. Rutkousky Agency has the experience and product offerings to make sure you’re adequately and appropriately protected.
Common Auto Coverages
Please contact an agent for a comprehensive explanation or with any questions.
Common Auto Coverages
Please contact an agent for a comprehensive explanation or with any questions.
Collision
Collision Coverage protects your vehicle if it becomes damaged while driving by hitting another vehicle or fixed object like a telephone pole, guard rail, pothole or fire hydrant.
Comprehensive
Comprehensive Coverage protects your vehicle in the event it is damaged outside of what is covered under Collision Coverage. This could include hitting an animal, a falling object damaging your vehicle and even theft or vandalism.
Property Damage
Property Damage Coverage helps pay for the cost of damages you’re responsible for while driving. These may include someone else’s vehicle, their property or items such as a guard rail or telephone pole.
Bodily Injury Liability
Bodily Injury Liability primarily protects other drivers and passengers you may have injured in an accident. It helps pay for their medical costs and protects you financially.
Uninsured & Underinsured Liability
You never know what kind of auto insurance someone else has. Uninsured & Underinsured Liability protects you when you are injured in an accident involving a motorist who didn’t have insurance or didn’t have adequate insurance coverage.
Common Auto Insurance Rating Variables
Insurance companies weigh quite a few factors when determining your rate. Below are a few common insurance rating variables, the key characteristics that help determine how much you’ll end up paying in premiums.
Common Auto Insurance
Rating Variables
Insurance companies weigh quite a few factors when determining your rate. Below are a few common insurance rating variables, the key characteristics that help determine how much you’ll end up paying in premiums.
Age
Statistically, certain age groups tend to get in more accidents than others. Rates tend to be higher for new and younger drivers (under 25) then gradually dip as a driver gets older.
Credit
A higher credit score generally means you’ll get a better rate.
Car Make/Model
A sports car is going to be a lot more expensive to repair or replace than a family sedan. Your vehicle’s value, as well as its safety features, can also impact your rate.
Driving History
Did you know being a safe driver can save you money? Having a favorable driving history, including a low number of violations or accidents, can keep your payments affordable.
Driving Habits
How much you drive your vehicle is important. Someone who has an hour-long commute every day is more likely to get into an accident than someone who only drives occasionally. Contact us for ways to save regarding good driving habits.
Gender
Sorry fellas, women really are better drivers. Statistically speaking, men are riskier to insure than women so they can expect higher rates.
Marital Status
Married people tend to be safer drivers than their single counterparts. Expect a lower rate if you’ve tied-the-knot.
Good Student
Did you know your good grades can get you a break on your auto insurance? Insurers take into consideration good grades when adding young drivers to a policy.
We will find the best insurance policy to fit your budget and needs. Request a quote>>
Home Insurance
Protect your home and assets with coverages for a variety of living situations. Learn more >>
Auto Insurance
Safeguard yourself and fellow motorists from the unexpected. Learn more >>
Business Insurance
Run your business with confidence knowing you’re protected. Learn more >>
Powersports Insurance
Boats, motorcycles and more. Protect your favorite powersports vehicle. Learn more >>
Life Insurance
Secure your family’s financial future with a policy right for your needs. Learn more >>
Specialty Insurance
Unique coverages for unique situations.
Learn more >>
About Us
Rutkousky Agency is an independent insurance agency providing home, auto, business, power sports, life and specialty insurance to people in Northeast Ohio and Western Pennsylvania since 1962. Rutkousky Agency brings experience, integrity and professionalism to each and every policy, leveraging our key industry relationships and business aptitude to provide great insurance coverage and excellent service.
Contact
4010 Boardman-Canfield Rd Ste 4
Canfield, OH 44406
p 330-533-6004 f 330-533-7033
6006 Mahoning Ave Ste J
Youngstown, OH 44515
p 330-792-4222 f 330-799-0368
Office Hours
| Mon Tue We Thur Fri Sat Sun |
8:30am – 4:30pm 8:30am – 4:30pm 8:30am – 4:30pm 8:30am – 4:30pm 8:30am – 4:30pm Closed Closed |
Sat-Sun by Appointment Only
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