When was the last time you evaluated your auto insurance needs? If you’re like most consumers, it’s probably been a while. In fact, many drivers rarely think about their coverage after they purchase it—until they have to file a claim. If you were recently in an accident, here's why now is the perfect time to review your policy and search for better coverage elsewhere.
3 Reasons to Shop Around for Auto Insurance After an Accident
1. To Prevent Future Headaches
Filing an auto insurance claim isn’t necessarily fun, but it shouldn't have to be one headache after another. As a paying policyholder, you deserve quality service, and you do not have to settle for anything less. If the insurance adjuster was less than helpful during the claims process or took forever to return calls, now is the time to shop around and find a provider that will actually value your business for future claims.
2. To Save on Premiums
It’s common for insurers to increase a policyholder’s premiums following any kind of claim. It may seem unfair, especially if the accident was not your fault, but your provider is well within their rights to bump up the rates. Depending on the circumstances, it may be more affordable to switch providers at this point and purchase coverage from a different company entirely.
3. To Optimize Coverage
When it comes to auto insurance, there are several different kinds of coverage, but you may not necessarily need them all. Fortunately, filing a claim will reveal exactly what you’re paying for—and help determine where to make adjustments as needed. For example, perhaps you needed a collision policy when you first bought insurance, but the car is worth considerably less now and would not be worth repairing if it were totaled.
If you need auto insurance in Batavia, OH, turn to Kramer-Myers & Werring-Dickerson Insurance. Founded in 1960, this agency is proud to help clients devise the practical solutions they need to prepare for all eventualities. Their products include home, auto, and life insurance. With a knowledgeable team that’s available 24/7, you can rely on them to protect your family’s financial security. To request an auto insurance quote, fill out the form on their website or call (513) 732-1461.