Every driver is required to purchase car insurance. It has become an essential need to protect your assets as a driver. Each state has a minimum required auto insurance which you must obtain when purchasing a car. For many, it is beneficial to purchase more than the minimum required insurance to ensure they are protected in the event of a collision, damage, or theft. 

It is imperative you have enough insurance coverage otherwise in the event of an accident you could be on the hook for a hefty bill. The right amount of insurance coverage gives you peace of mind on the road. 

But as insurance agents, we help you walk the fine line of making sure you have enough coverage and not overpaying for coverages you don’t need. We know the world of insurance can be confusing, so we take this responsibility seriously. 

It isn’t uncommon for us to see people overpaying for insurance or not taking advantage of deals and discounts where they can. Continue reading here to evaluate your current insurance coverage and then contact our team at Link Hellmuth if you think you could be overpaying on Auto Insurance in Springfield, Ohio.

When is The Last Time You Shopped for Auto Insurance?

If you don’t take the time to shop and compare insurance quotes, it is a sure way to pay more than you need to. With so many different insurance companies and policies out there today, you can almost always find a lower price. Better yet, work with an agent to do the shopping and compare for you!

Drivers should compare their coverage options and get online quotes once a year in order to ensure they are keeping a good deal. Anytime you need to renew your policy, you should take a moment to shop around a bit. 

Do You Have More Coverage Than You Need?

Unfortunately, sometimes drivers end up with unnecessary coverage. We have seen policyholders who were paying for roadside assistance when they had AAA, making this add-on coverage a total waste. If you have an old vehicle, you are just hoping will get you from Point A to Point B it may not be worth it to pay for Comprehensive or collision coverage depending on the value of your car. 

Revealing your policy carefully each year can help you avoid paying for coverage you don’t need. 

Has Your Lifestyle Changed?

Recently, we have seen a dramatic shift in the number of miles people are driving. With working from home becoming more popular, people are spending much less time on the road. Lifestyle changes like these also change your risk factor. This could result in lower premiums.

Anyone who has changed their driving habits should be sure to alert their insurance company right away. The savings from driving fewer miles could be substantial over time.

Are You Taking Advantage of Discounts?

Many auto insurers provide various types of discounts. Savings might be available for getting good grades for teen drivers, or for membership in a particular organization, a good driving record, or a job with a particular employer.

If a driver hasn’t asked their insurer about opportunities to save, then they may be missing out on ways to reduce their premiums. It takes just a second to look into options to reduce costs. If your agent isn’t looking into discounts for you, it may be time to switch to a Link-Hellmuth independent agent. 

Auto Insurance in Springfield, Ohio

Are you thinking it could be time to shop for a new auto insurance policy? We want to help ensure you aren’t overpaying for your car insurance. Give us a call at Link-Hellmuth today to be sure you are properly covered and paying a fair price.