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The auto insurance landscape can be confusing and hard to navigate. To help you avoid potential pitfalls, Somers Agency offers the following tips. This venerable institution has been guiding clients to the ideal coverage for nearly 120 years, so they have the experience to help you choose the best car, home, and small business insurance for your needs.

5 Important Tips for Buying Auto Insurance

1. Review Rates & Coverage Annually

Auto insuranceAt least once a year, assess the amount of coverage you need and compare rates between companies. For instance, if you have more assets to protect, increase your liability insurance accordingly. Also, ask your independent insurance agent to see if you can save money by switching to another insurer.

2. Guard Your Credit Rating

Your credit score affects your auto insurance premiums more than you might think, and bad credit can cost you. To avoid paying more for car insurance, stay up to date on all payments as best you can.

3. Choose Deductibles Carefully

The deductible is the amount you must pay for vehicle repairs or replacements before your insurance company steps in to contribute. The larger your deductible, the lower the periodic premium you must pay. Decide whether you are comfortable paying more in monthly premiums for greater peace of mind when you have to file a claim.

4. Update Insurer About Reduced Mileage

Your daily driving habits play an integral role in your rates. Therefore, if circumstances change and your commute becomes shorter, inform your insurer so you don't overpay.

5. Ask About Discounts

Auto insurance companies offer a wide variety of discounts, so ask your agent if you qualify for one or more. Insurers often cut rates for students who get good grades, vehicles with security features, and clients who buy more than one policy from the same company.

Somers Agency has more than a century of experience helping clients choose reliable, affordable coverage. Visit our website for contact details, or call (440) 324-3447 to request home, business, or auto insurance quotes.

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