Shopping for auto insurance can seem unnecessarily complicated, which is why most people simply pick a carrier when they're young and stick with it. After all, how different can one insurance carrier be from any other? In fact, as Ohio Insurance Center Agency in Cincinnati, OH, explains, having the right auto insurance policy from the right insurance company can make all the difference, especially if the unexpected occurs.

If you're shopping for auto insurance, they recommend asking your agent the following questions:

• What Types Of Coverage Do I Need? Every state requires drivers to carry some basic amount of liability-only insurance coverage, but that likely won't be sufficient coverage in most real-life situations. For example, if you're making payments on your car, the lender may require you to carry comprehensive and collision insurance, and everyone should carry protection against damage caused by uninsured motorists.
• Who Is Covered? An abnormal situation can become a real headache if you haven't collected the information in advance. Find out if the auto insurance policy will also cover your teenage children who borrow your car, or whether or not they will cover damages you cause while borrowing someone else's vehicle. Rules governing these situations can vary a great deal from one carrier to the next, so it's important to get clarification on what's covered.
• What Is The Deductible? The deductible is the amount of damages you'll be responsible for if something goes wrong. In general, increasing this figure can be a fast way to significantly lower your monthly premiums, but it increases your personal exposure to risk in case of an accident.

For over 40 years, the auto insurance experts at Ohio Insurance Center Agency have provided their clients with policies tailored to meet their needs, ensuring everyone has the protection they should without overpaying on their premiums. Visit the website to learn more about the wide range of services, or call (513) 522-6300 for fast auto insurance quotes today.