If you own a car, having the right car insurance policy is crucial. Auto insurance protects you from a major financial blow in the event of an accident or other damage caused by natural disasters or weather events. Somers Agency of Elyria helps Ohio residents get the best policies for their needs, and their sage advice makes it easy to navigate confusing insurance regulations.

The experts at Somers Agency suggest some factors to consider when purchasing an auto insurance policy for your vehicle:

• Deductible: An insurance deductible is the amount of money you will pay before the insurance company pays the rest of your claim. Choosing a high deductible can result in significantly lower insurance rates, but you need to be able to cover the deductible amount in case of an accident. If you don't have much in savings, a lower deductible may be a better choice. 
• Collision Coverage: There's a whole host of optional coverage to add to your auto insurance policy; the most popular of which is collision insurance. This coverage is what you need if you expect a payment in the event of a typical car accident. The payout is usually capped at the vehicle's current value, so paying extra for collision coverage may not be worth it for an older vehicle. 
• Legal Requirements: Most states mandate that drivers carry car insurance, but the amount of coverage and other protections required vary greatly from state to state. Trust the professionals at Somers Agency to explain your legal obligations and to make sure you get the coverage you need at a rate you can afford.

When you're ready to shop for car insurance quotes, call Somers Agency at (440) 324-3447. They're a leader among independent insurers in Ohio, and they will ensure that you get the coverage you need for your home or auto. Visit their website for more information about all the insurance policies they offer.