Reader’s Question:

I am looking at free quotes for car insurance . Times are tough, and I want to save on auto insurance. Currently I have both collision and comprehensive insurance with my current provider, and I feel that I could use a cutting of some cost. What are my options?

Ava

Akron, OH

Ava, aside from the basic Ohio coverage of Bodily Injury Liability and Property Damage Liability, you also have both collision and comprehensive auto insurance. No wonder you are paying a lot. I understand that you want to be careful and keep yourself covered, but you might be overdoing it a bit.

Yes, you might be looking at free quotes on car insurance, but don’t you think it would be better if you first examine what you already have? First do you really need to have both collision and comprehensive insurance? Collision coverage gives you protection when you get into a car accident. That is why you have a deductible when you subscribe to this. It helps to pay the damage to your car. Same thing applies to comprehensive auto insurances. It helps pay repair your car for all other cases that are not defined under your collision coverage. I mean you have to make a choice here. I can only make statements on the generalities. If you live in Akron, I would think that weather is not really much of a problem–climate is moderate. If you live in a high traffic district and in a relatively safe neighborhood, I suggest you drop the comprehensive and keep the collision. It is really up to you. I suggest you learn more about your city’s statistics first before you make a decision.