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Shopping for auto insurance isn’t typically a straightforward process. There is no one-size-fits-all policy, and a number of factors must be considered to ensure you purchase the coverage that’s appropriate for your unique needs. This is why it’s important to sit down with an insurance agent who will assess your risk level and make sure you’ve thought about all the different aspects of your financial protection.

Drivers in the greater Cincinnati, northern Kentucky, and southeast Indiana areas can count on Siemers Insurance Agency to help them identify exactly how much and what kind of auto insurance they should buy. Here, they go over some of the top things to know before signing a policy contract:

  • Liability Limits: Most states require drivers to carry a minimum amount of liability insurance to cover bodily injuries and property damages caused by at-fault accidents. However, it’s vital to figure out if the minimum will be enough to keep you from losing your assets in a lawsuit. If you have quite a bit to protect, it’s a good idea to raise your limits.
  • Comprehensive & Collision Coverage: Comprehensive and collision coverage is designed to pay for repairs to your own vehicle should you cause an accident. It will also kick in if your vehicle is damaged by a natural disaster, act of vandalism, falling object, or anything else other than a collision. It is recommended that you add this type of auto insurance coverage if you don’t have the funds to repair or replace your car on your own.
  • auto insuranceDeductible: When your vehicle needs repairs , a deductible is a specified amount you will be responsible for paying before your insurance provider will cover the remaining balance. You can set your deductible high or low, depending on how much you think you can afford should you ever have to file a claim and how much you want your premiums to be.
  • Other Types of Coverage: Aside from liability, comprehensive, and collision, there are several other types of coverage you can add to your policy. It’s essential to go over all your options before making a final decision to make sure you have as much protection as you require. Other choices that are commonly purchased include uninsured/underinsured motorist, personal injury protection, and roadside assistance.

Once you’ve gone over each of these topics, you will be better prepared to choose the auto insurance policy that will give you all the protection you need. Contact Siemers Insurance Agency at (513) 469-8877 to request insurance quotes, or visit them online to learn more.

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