Not only is it illegal to drive around without car insurance, but it can also be an expensive decision. You never know when you’ll be caught in an accident and forced to pay for repairs out of pocket. You can protect yourself and your wallet by getting car insurance for yourself. Before you start working with your insurance company, there are certain things that you should know that will facilitate the process of choosing your insurance. Here are 3 tips that you should consider before speaking with an insurance agent:
Understand Your Needs
Your insurance should protect your car, yourself, and anyone who drives with you. Think about your vehicle, your driving habits, the weather and road conditions of your area, and other factors that could affect you and your vehicle. Using this information, consider the type of insurance that you should choose: collision, comprehensive, property damage liability, personal injury protection, etc.
You may be surprised to find out that you can in fact get discounts on your insurance. Depending on the company that you work with, some things that may qualify for a discount includes a clean driving record, low average miles that you drive, certificate of completion for a driving course, a great credit score, or parking in a garage. Be honest about the discounts that you qualify; lying to get discounts could end up being very costly when the truth is discovered.
You can also get discounts for paying less often. Find out if your insurance company will give you discounts for paying once or twice a year rather than every month.
Determine Your Deductible
Determine the deductible that you want to pay. You could end up paying a high out-of-pocket deductible, but your insurance policy would be low. On the other hand, low out-of-pocket deductibles could end up costing you more for your policy, but you won’t have to pay much if you file a claim.
When you understand your needs, have taken the time to research discounts, and are determined the deductible that you want to pay, contact American Insure-All®. We can answer any questions that you may have and help you choose the right auto insurance for you and your family.