What is the right auto insurance coverage to get?. It all depends on you and your car insurance needs. Now, be honest. Are you a good driver? More to the point – do you have a good driving record? Let’s just assume that you do.
With a good driving record, the options open up for you, so take advantage of them. Always remember to shop around and get 3 or more quotes from different car insurance companiess. But before you start making calls and searching on the internet, be prepared with some basic but important info that might help bring you savings for your auto insurance coverage.
I know that times are tight, but if you have the resources and can afford it, request for higher deductibles and/or pay the entire year’s worth of your premium in one lump sum. Deductibles are what you pay before your insurance coverage kicks in. Both higher deductible and lump sum premium payments can bring you substantially lower costs.
Do you need homeowners insurance or car insurance for more than one vehicle? Then you should ask your provider about discount for multiple policies. Most companies will offer this for your patronage, but you should definitely still shop around. It’s possible to find more savings buying from two different insurance companies despite the multiple auto insurance policy discounts.
Do you work for a large company or belong to professional groups or any other organizations? Find out if you might qualify for any group discounts. If you carpool, take public transportation, or ride your bicycle to work, you may be eligible for an infrequent driver car insurance discount. Some companies provide savings to drivers who use their car below a certain mileage each year. Many insurers will also give discounts if your car has safety features like air bags, antilock brakes, car alarms and more. For older cars, you might want to consider dropping collision and comprehensive coverage. It generally doesn’t make sense to maintain such coverage for cars worth less than $1,000. You only get the actual cash value of the car if it is totaled.
Now, you’re better equipped to find that right auto insurance coverage for you. There are plenty of car insurance providers out there ready for your business, so don’t be afraid to compare and ask questions. After all, you’re the one in the driver’s seat.