Q: What should I consider when purchasing automobile insurance?

A: There are a number of factors to consider when purchasing any product or service, and insurance is no different. Here is a checklist of things you should consider when purchasing automobile insurance.

Base your decision on value. This is more than simply the lowest price. The premium you pay should be compared to the claims and policy service, protection and advice you receive. Independent agents, and the companies we represent, deliver excellent value.

Purchase the amount of liability coverage that makes sense to you.

You should decide which optional coverage you want. For example, do you want optional physical damage coverage or is the market value of your car too low to warrant purchasing them.

Once you have decided what you want in your automobile insurance policy, you can evaluate appropriate insurance policies offered by different insurance companies.