What to Know About Your Auto Insurance

How much car insurance do you need? That all depends on how much you want to pay for out of pocket in an accident. Here are 5 things to consider with your car insurance:

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1. Some insurance agents may say you need to carry the minimum amount of car insurance required in Ohio (state minimums). Nothing could be further from the truth. Cheap car insurance is rarely enough to protect you in a serious accident.

 

2. Drivers who want to be adequately protected should buy the highest levels of auto insurance they can comfortably afford.

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3. With the rising costs of repairing or purchasing a car, auto insurance with liability limits of 100/300/100 may no longer be enough coverage to pay for all of the damage caused in an accident. You might consider purchasing higher limits or an umbrella policy.

 

4. Consider including UM/UIM to protect against underinsured and uninsured drivers who hit you. 

 

5. Lastly, adding comprehensive and collision coverages on your policy is an excellent way to make sure your car is protected if it is damaged, totaled, or stolen.

 

We're happy to help you figure out the best coverage for your needs and budget. Call us today!