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Best advice when you need to buy or renew your auto insurance is to remember that as in most purchases, “You get what you pay for.” Especially when shopping for the auto insurance, going after the cheapest deal could mean trouble.

What’s all the talk about saving money on car insurance lately? How can you know what’s best for you? In this economy price is important, but when it comes to buying car insurance, cheaper is not usually better. Here are the 5 Factors we believe you need to keep in mind in getting the best auto insurance:

1. Price – Sure, nowadays everyone is looking for a bargain, and we’ve all heard some insurance companies promising big savings. Save here, save there, save on this, save on that. Truth is, in the same breath, there is little discussion of coverage and service, two essential factors that matter, especially when you have a claim.
    
2. Price – Yes, it’s here again. When you consider that you’re probably paying your car insurance bill each month, promises of big savings are attractive. Keeping to a budget means saving anywhere you can. If someone tells you you’ll save big money, you’re likely to pay attention.
    
3. Price – But hold on....there’s more. Price is an important factor when buying auto insurance, but is it the most important one, and does low cost really save you when it counts? Well, you have to look closer.
    
4. Coverage – It’s true, coverage from one policy may be as good as another. But not always. Coverage matters when it matters. Think about personal liability, uninsured or underinsured motorists causing an accident, damage to property, medical expenses, car repairs, rental car costs, the possibility of a lawsuit. You should consider all of these factors and consider how important they are to you.
    
   Discounted auto policies sound good. Right, but you could wind up paying less and getting less.  The smart approach is to look for value with innovative auto policy features that matter when you need them most. Today there are many things to consider when buying auto insurance beyond the required coverages. You could be eligible for real savings based on your safe driving experience, car safety features, young driver and senior driver discounts and more.
    
5. Service – It’s true, service matters. And can vary from company to company. Your local insurance agent will take the time to understand your specific needs and recommend an auto policy that’s best for you. The relationship you develop with your agent can make a difference. It’s comforting to know that your agent is there when needed.

Ask yourself, “Am I really saving money on a low cost policy?” Consider the value, when you need it, of all that your local insurance agent provides. It’s in your best interest.