You need coverage for your car. But what kind of insurance should you get, and how much coverage do you need? As you consider auto insurance policies, ask yourself the following questions to determine the best coverage for your vehicle.
Will you be the only one driving your car? If you share the vehicle with others, such as a spouse or a teen driver, you’ll need to list them on your policy.
What type of vehicle do you drive? The year, make, and model of your car affects the price of insurance. Some types of cars require special policies, and others may be eligible for discounts due to strong safety records.
How often do you drive your car, and how far do you usually drive it? Your policy should reflect your typical use of the vehicle. If you rarely drive it, you may want to consider mileage-based insurance.
Do you park your car on the street or in a garage? Do you drive your car in harsh environments or smooth conditions? Consider the risks your vehicle faces as you weigh your options for coverage.
Why do you need coverage? Do you simply want to fulfill state legal requirements? Do you love your car and want to keep it scratch-free? Do you have a lease that requires specific coverage? The reason for your coverage should guide your policy choice.
How do you want to pay for your auto insurance? Monthly? Bi-annually? Consider your payment options, which may provide different benefits or discounts. You can also choose a higher deductible to lower your premium. Contact our office to review your options and determine the best coverage for you and your vehicle.