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Although auto insurance is an important part of driving life, that doesn’t mean you want to spend any more than you have to on your premium. Unfortunately, it’s not always easy to understand how to buy adequate coverage at a great value. While it is possible to get affordable insurance quotes, there are a few steps you must take to find them. The insurance specialists at Siemers Insurance Agency work with clients every day in the greater Cincinnati, northern Kentucky, and southeast Indiana areas to search for and secure the lowest rates possible.

Below, they offer some tips on making sure you get the best deal available:

  • Work With an Independent Agency: Working with an independent insurance agency will save you significant time shopping around for insurance quotes. Because they don’t represent a specific insurance provider, they can get rates from multiple companies at one time so you can quickly compare which are the most competitive. 
  • Ask About Discounts: Insurance carriers often give a variety of discounts to eligible drivers. This is one of the most effective ways to lower premiums. Some of the most common deductions are granted for maintaining a safe driving record, having low mileage, bundling home and auto policies, taking a defensive driving course, and possessing different safety features on your vehicle.
  • insurance quotesConsider Increasing Your Deductible: You have the opportunity to choose how high or low you want your deductible to be. This is the out-of-pocket expense you must pay to get your car repaired in the event of an accident before your insurance will pay the rest. Lower deductibles may make sense in some situations, but if you wish to cut premium costs, a higher deductible will do so.
  • Improve Your Credit Score: Many insurance companies use credit scores as a determining factor when estimating rates. If your score is on the low side, working towards improving this can result in a better quote on your insurance coverage. It’s also important to check your credit report from time to time to make sure there aren’t any errors that need to be fixed.
  • Review Your Policy Annually: Insurance rates are constantly fluctuating, so it’s a good idea to review your policy every year and make sure you’re getting the best rate out there. Keep your coverage information up to date and get new insurance quotes to see if a different provider can lower your premium.

Following these suggestions when obtaining your insurance quotes could save you quite a bit of money each year. Contact Siemers Insurance Agency at (513) 469-8877, or visit their website to fill out a no-obligation quote request form for auto insurance. 

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