When shopping for car insurance, you may be tempted to cut costs by buying the least amount of coverage that your state allows. However, as the experienced insurance agents at Lighthouse Agency Inc. in Fairfield, OH explain, those minimums often fail to protect you against the consequences of a serious accident. 

In Ohio, the state minimum is $25,000 for bodily injury per person involved in an accident for which you're at fault, with just $50,000 total for each crash and only $25,000 in property damage. Before purchasing the cheapest auto insurance policy you can find, they suggest you consider the following:

• You may be exposed to civil liability. Even a moderate car crash can quickly exhaust the limits of your insurance. If the other drivers suffer medical debts and damages in excess of your liability limits, they can pursue damages against you for the rest. As a result, you may lose your most valuable assets, including your home and your car.
• More coverage is often very affordable. In some cases, you can double your coverage for less than $20 per month. When trying to cut your rates, industry experts recommend raising your deductible rather than taking out a policy with less coverage.
• Comprehensive and collision coverage usually don't provide additional liability. To make sure you have enough insurance to protect your assets, talk to your local insurance agent today.

Lighthouse Agency Inc. has relationships with many of the industry's top carriers, giving them the ability to find you the best coverage at the lowest rates. Visit their website to learn more or call (513) 860-9100 to get a car insurance quote today.