When exploring your options and looking to the “Name your own Price” insurance companies, be careful because as your price is lowered, so is your coverage.  Coverages that can be lowered are liability, comprehensive and collision protection for you and your family.  Below is a link to state-by-state minimum insurance requirements.

www.carinsurance.com/state/index.aspx 

The minimum requirements for Ohio auto insurance is $12,500 per person/$25,000 per accident and $7,500 for property damages.  States require mandatory minimum liability coverage when you purchase insurance.  Comprehensive & collision coverage as well as rental & towing are additional coverage that can be added at the consumer’s choice.  When lowering your price many times consumer’s are also lowering their limits of liability protection to the state minimum limits and also leaving off additional coverage such as comprehensive & collision protection.  By choosing the minimum state requirements for liability protection, it can leave you and your assets in trouble. 

So, please be very cautious of the “Name your own Price” companies.  Many times getting the price you want at a lower rate means leaving off or lowering very important coverage. 

Here at the Wiseman Agency, we would be more than happy to review your current policy to assure you that you have adequate coverage.  Please contact one of our licensed agents today before it’s too late.  We offer many reliable companies and excellent customer service to help you with your insurance needs!