Cleveland Car Accident Attorney Offers Tips for Purchasing Auto Accident Insurance May 23, 2012.

Unfortunately, most people will find out that their car accident insurance coverage is not adequate to cover them after an accident has occurred. While car insurance is usually required by most states, including Ohio, to even operate a vehicle, the required minimums are not usually enough to cover you fully after an accident.

Tips for Purchasing or Renewing Car Insurance Coverage

  • Raise Your Coverage Limits – In the event that you are involved in a collision with an expensive vehicle or a person is injured critically your minimums may not cover you and leave you holding the bag for thousands in property damage and/or medical bills. Talk to your insurance representative; you should be able to increase your coverage substantially without much extra cost.
  • Look for Discounts – Many discounts are advertised by insurance companies, such as those for a clean driving record, but you may be eligible for even more deductions. Things like working from home a few days a week, a good report card or taking a driving course can all cut your rates. Call your policy provider to see what is available.
  • Pay it All At Once – If you can afford it, paying for policy all at once up front can get you a discount. Many companies tack on installment fees for choosing a monthly or quarterly payment plan.