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Every state requires a minimum amount of auto insurance, including liability coverage, bodily injury liability, and property damage liability. Is the minimum really enough, though? Trust Albers Insurance Agency in Cincinnati, OH, to talk you through how to get the right amount of coverage for your car—and in which areas you can stick to the minimum.

Here are some tips to keep in mind when determining the amount of auto insurance you need from an insurance agency:

  • auto-insuranceUninsured/Underinsured Motorist Coverage: You may not be required to buy this, but it’s a good idea to have it to make up for gaps if an uninsured driver hits you. It’s relatively inexpensive and can help minimize your financial losses. Even if you have collision coverage and health insurance, don’t skip uninsured motorist coverage.
  • Comprehensive & Collision Coverage: These policies cover damage to your car related to an accident or the event. You should have these policies if you can’t afford to replace your car or if your car is less than 10 years old. Choose a higher deductible to save money on these policies. If your vehicle is old or of low value, you can save money by skipping these.
  • Personal Injury Protection: This covers medical expenses after an accident for you and any passengers in an accident. You may not need this if you are covered by other health insurance or disability insurance. If your health care plan has a high deductible, the medical payments may help pay your deductible.

Make sure you know your state requirements for auto insurance in Cincinnati and consider your other policies, so you aren’t paying for double coverage. If you’re not sure, ask an insurance agent at Albers Insurance Agency for help by calling (513) 891-3304. You can also visit their website for more information. 

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