Zack Reed, 55, who was on Cleveland City Council from 2001 until late last year, said that car insurance never came up as a big issue during his time in office.
"I was on council for 17 years, and in my 17 years I can tell you that I have not heard one complaint that's ever come to me based on car insurance," Reed said.
Reed's own driving record isn't perfect. He was convicted of his third DUI in 2013. Following that, the cost of insuring his 2008 BMW jumped to $151 a month. Now five years later, his monthly rate is back to double digits.
"I pay less than $100 a month and I live in a neighborhood that people would say is somewhat crime-ridden," Reed said. "My insurance cost is lower than my cable."
That is the number of drivers in Ohio's last-chance auto insurance program for those whose driving records are so atrocious, no commercial insurer will take them.
Yearly premiums for this Ohio Automobile Insurance Plan run about $4,000, said Dean Fadel, the program's manager.
"We've only got four people in the plan," said Fadel, who is also president of the Ohio Insurance Institute, a trade group. "Our last-resort mechanism may be even cheaper than what your regular mechanism is" in Detroit.
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