The new year is coming up. You’re probably going to be reviewing 2019, the money you spent and how you can save money in the upcoming year. Many people look back and decide to change their auto insurance to lower coverage. We’ve heard customers say, I haven’t gotten in an accident and am a safe driver, why do I need such large auto insurance premiums? Of course, we can help you look for auto insurance at lower coverage at lower rates. But we caution anyone from ever lowering their auto insurance coverage just for saving money.
For one, you’re not always carrying insurance to protect yourself from your own driving, you’re also protecting yourself against the other guy. We can’t control how other people drive and we can’t control if they have auto insurance. While it’s a state law to have coverage, fact is that many people don’t have adequate or any coverage.
Another reason against lowering your auto insurance coverage is that you have auto insurance for peace of mind. Chances are you’ve chosen your amount of auto insurance coverage for various reasons including asset protection, family well-being and more. If you were to take away part of your insurance coverage, how would you feel while you’re driving? Would you be under constant worry? What if you got in an accident? Would the potential bills completely wipe you and your family out?
If you truly want to look for lower premiums, there are other ways to do it besides lowering your coverage. Let us as an independent agency look amongst the auto insurance carriers we work with for the most competitive rates for your coverage needs. We cover all of Northwest Ohio including Bryan OH, Defiance OH, Napoleon OH, Perrysburg, Sylvania OH, Toledo.
