Get DirectionsA common mistake many drivers make when purchasing auto insurance is compromising coverage for the cost. This can result in less protection on the road. In the event of an accident, you may wind up paying more out-of-pocket due to a lack of coverage on your part. At Meiners Insurance in Avon Lake, OH, we customize our auto policies to suit your driving needs, so you can receive quality protection at a reasonable cost.
Here are some of the dangers of compromising on your auto coverage:
Insufficient Liability Protection
If you cause an accident that results in injury or vehicle damage to another driver, you’re responsible for paying their medical bills or vehicle repair costs. Liability insurance helps cover these expenses, so they don’t come out of your own pocket. Ohio requires that drivers purchase minimum liability coverage, which may not be enough to cover damages from a serious accident. By sticking to the bare liability minimum to reduce your premium, you could pay more in the long run if the damages exceed the limits of your policy.
Less Protection for Your Vehicle
Collision insurance covers damage to your vehicle in a collision. Comprehensive insurance covers vehicle theft and damage caused by adverse weather, fire, and vandalism. Both of these coverages are optional and forgoing them can save you money on your policy. If your car is damaged in a collision, however, or stolen, you’ll be responsible for its repair or replacement on your own.
In addition to the right type of coverage, you need accurate coverage with limits that will protect your assets in an accident. Poor auto insurance protection can quickly deplete your finances when accidents occur.
Schedule A Consultation Today!
To get the right auto coverage to best suit your needs, give Meiners Insurance in Avon Lake, OH a call.
