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In the modern era of personal transportation, nearly every driver must, at some point, interact with a car insurance company. Whether you need to make a claim, set up a policy, or adjust your coverage, 1st Choice Insurance, the cheap car insurance experts in Fairfield, OH, can make that process easier. In the sections below, they explain the basics of dealing with your provider.

An Introduction to Dealing With Car Insurance Companies

1. Choosing a Car Insurance Company

When selecting an insurer, consider the health of the business. When or if you file a claim, you want to be sure your car insurance company has the financial resources to serve you. Additionally, you should read online reviews to determine how readily the company pays out claim amounts. You don't want to wait for months before you receive payment.

2. Deciding on Coverage

In Ohio, you must purchase at least $25,000 in bodily injury liability per person to a max of $50,000 per accident, as well as $25,000 in property damage liability. However, these are merely legal minimums. You should consider raising these amounts. Moreover, if your vehicle is still relatively new, consider buying comprehensive and collision coverage to protect your investment against fire, accidents, vandalism, or theft.

3. Requesting Quotes

car insurance companyRequest estimates from multiple insurers, and ask their representatives if you qualify for any discounts. Some car insurance companies reduce premium amounts if you have safety or theft deterrent features installed or if you bundle multiple policies with the same insurer.

4. Understanding Your Policy

Be sure you know exactly what your policy covers and how much you'll spend out of pocket if you file a claim. Ask what your deductible amounts are for different types of events, and make sure you know what is excluded from coverage.

5. Filing a Claim

Familiarize yourself with the procedure required to file an insurance claim. Do you contact your agent or call your insurer directly? Can you file a claim online? What documents do you need to submit along with it? Do you need a police report? A good agent can explain these procedures to you clearly.

1st Choice Insurance, the most trusted independent agency in Butler and Hamilton counties, OH, offers invaluable guidance when selecting insurance and for dealing with your car insurance company. Visit their website to request a car insurance quote, or call (513) 860-0666 to discuss your options with a friendly expert.

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