Having a minimum amount of car insurance is a legal requirement in almost every state, so if you plan to drive, you'll have to buy coverage. But it’s important to make sure the policy you choose is right for you. Here, Jenkins & Bevan Insurance, the premier agency in Amherst, OH, offers some advice for buying car insurance.
3 Important Tips for Buying Car Insurance
1. Choosing Coverage Types
You must buy liability insurance in Ohio, but don't forget about other types of coverage as well. Collision coverage pays to repair your car after an accident, while comprehensive coverage pays for non-collision losses like fire, harsh weather, vandalism, or even theft. Medical payment coverage, rental reimbursement, and towing coverage are all valuable types of insurance if you can afford the extra costs.
2. Choosing a Deductible
Insurers require you pay a certain amount toward repairs—called a "deductible"—before your coverage kicks in. Low deductible policies cost more per year than higher deductible policies do because the insurer picks up a higher percentage of the repair bill. The best course of action is to select the highest deductible you can afford to pay. That way, you get the greatest amount of protection possible without breaking your budget.
3. Saving on Car Insurance
You can often save on car insurance by bundling multiple policies (for instance, home and auto coverage) with the same insurer. You can also save money by installing anti-theft or safety devices on your vehicle and by improving both your credit rating and your driving record.
For quality car insurance policies and experienced guidance, turn to Jenkins & Bevan Insurance, the most trusted and experienced insurance agency in Amherst, OH, for more than 60 years. Visit their website to view contact information, hours of operation, and driving directions, or call them at (440) 984-6771 to discuss your options with a friendly, helpful professional.