5 Things To Know About Ohio Car Insurance

1. “Full-coverage” is a colloquial term, not an industry term and is designed to make you feel better about your coverage. Usually, it refers to a combination of coverages that work together to cover your car against a variety of incidents, but no insurance carrier has a product called “full coverage”.

2. Insurance agents usually have quotas they need to meet. The way they write your policy could be in their best interest, not yours. Ask questions.

3. Some agents represent 1 carrier (captive), while others represent multiple carriers (independent). The more carriers an agent represents, the more options they can give you for finding the best policy options to fit your needs.

4. Market prices go up. It’s normal and often influenced by multiple factors. It’s often in your best interest to talk with your agent before jumping ship to a new carrier.

5. Insurance companies are in the business of making money, not giving it away. Make sure your policy covers you the ways you need it to and want it to.

Bonus #6: Almost every carrier customizes coverage to fit your budget and needs.

At Mullins Insurance Agency, we are directly appointed with over 20 carriers, and don’t have any quotas. This means we can shop the best deal for you without feeling the need to meet a quota, which allows us to put your needs first.