In Ohio, the law requires a minimum amount of car insurance. Drivers must maintain at least $25,000 of bodily injury liability coverage per person—to a per-accident max of $50,000—as well as $25,000 in property damage liability. These pay for repairs, medical, and legal costs arising out of an accident you cause. Unfortunately, many people make mistakes when buying auto insurance. Below are a few of the most common.

3 Mistakes to Avoid When Buying Car Insurance

1. Not Shopping Around

Too many people call a single insurance agency, request a quote, and accept that price. Different insurers offer different rates, so you should shop around before choosing a provider. Contact at least three agencies and let them know you are comparing quotes. This process will encourage them to provide their most competitive price.

2. Choosing the Cheapest Policy

Once you have received multiple price quotes, don't simply select the cheapest offering. Base your decision on value rather than price. If you can get better coverage, fewer exclusions, a lower deductible, and higher policy limits for a few dollars more, you should choose the better coverage. It will more than make up for the small additional cost if you have to file a claim.

3. Purchasing the Legal Minimum

The legal minimum is put in place to protect other motorists whom you might injure. It does little to protect you, your passengers, or your vehicle. To do that, you need collision—which pays for on-the-road accidents—and comprehensive coverage—which pays for non-collision losses like fire, flood, vandalism, and theft. You should also consider uninsured/underinsured motorist coverage—in case a driver who doesn’t have insurance damages your vehicle—as well as medical payment coverage, which pays for injuries to you and your passengers.

To have a friendly, experienced agent help you design a car insurance policy that fits your needs, contact Hummel & Plum Insurance Agency in Chillicothe, OH. This independent agency has served clients in and around Ross County since 1904, and they also maintain offices in Circleville, Ashville, and Mt. Sterling. Their specialties include auto, home, business, health, earthquake, flood, and life insurance. Visit their website to reach out to them online or call (740) 773-1620 to request a car insurance quote.