Are you looking to purchase a new auto insurance policy? Whether you’re buying a new car or just shopping around for a better rate, it’s important to know which factors you should look for when asking for insurance quotes and buying a policy. Siemers Insurance Agency in Cincinnati, OH, is here to help with all of your insurance needs.

Here are three important questions to ask as you go about buying auto insurance:

• What’s The Deductible? One of the most important factors to consider when you are looking for auto insurance quotes is what the deductible amount is. Deductibles can vary greatly and they affect your insurance premiums. Always make sure you can afford to pay the deductible amount out of pocket before signing on to a new policy.
• Which Discounts Are Available? Another important factor to consider when buying auto insurance is what discounts may be available to you. Always ask your insurance agent if they offer bundling bargains or special consideration for safe drivers. You might save a good deal of cash with this one simple step.
• Are Any Coverages Optional? The last factor to keep in mind when buying an auto insurance policy is that there are many optional coverages available. You may want to add underinsured or uninsured protection or extra medical protection in case you are hit by a driver without insurance. Your insurance agent will help you decide which options are right for your needs.