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When shopping for auto insurance, many drivers choose to focus essentially on the price of premiums, assuming that policies from different carriers are otherwise the same. While cost is always an important factor to consider, there are many others that could be crucial, considering the high stakes involved.

For example, if you're collecting auto insurance quotes, you should consider:

  • Customer Service: When you need to file a claim, you'll expect your insurer to evaluate your damages and submit payment as quickly as possible. Look up reviews for each insurance company you're considering, or ask your agent how each carrier in question treats their customers. In general, working with a company who excels at customer service may be worth paying slightly higher premiums every month.
  • Auto InsuranceCoverage Limits: Every state requires drivers to carry some basic minimum of liability or collision insurance, but many policies offer additional coverage. In Ohio, for example, you must have at least $25,000 in liability coverage for each individual injured as a result of your actions, up to $50,000 per accident. Car accident injuries can be extreme, easily exceeding these coverage limits and putting all of your assets at risk, so you may want a policy with higher limits.
  • Deductible: The amount of the deductible has a significant impact on your monthly premiums. In fact, increasing your deductible to $1,000 can decrease your auto insurance premiums by up to 40%, which saves you a massive amount of money in the long run even if you do have to file a claim. However, if you decide to raise your deductible, make sure you have the cash on hand if you do get into an accident.

For over 60 years, the independent agents at Custis Insurance Service Inc. have been providing drivers throughout Sheffield Lake, OH, with high-quality auto insurance policies, backed by some of the top carriers in the nation. Read more about their personalized approach to insurance, follow them on Twitter, or call (440) 949-7171 to make an appointment today.

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