What to Contemplate When Getting an Auto Insurance Quote
What to Contemplate When Getting an Auto Insurance Quote
Getting a car insurance quote is not difficult. In fact, with our independent agents doing the comparisons for you through our network of companies, it may be much easier than you believe.
There are some important factors to consider, however, and still be aware of when acquiring auto insurance. Here are a few.
Are State Minimums Enough?
States have minimum requirements for auto insurance. These, however, are the bare minimums, and you should consider increasing them. Getting better coverage may not be that much more expensive.
Should You Get Uninsured Motorists Coverage?
Most attorneys would respond with a resounding “Yes!” Uninsured and underinsured motorist coverage may be less expensive than you think and may help protect you from drivers who may not be as financially responsible as you are.
What About Rental Car Coverage?
This is very affordable add-on coverage that can be very valuable if your car needs repairs from a covered claim that could take weeks to complete.
Should You Drop Collision Coverage?
If your vehicle is twelve years old or older, you may want to consider dropping collision coverage. Between your deductible and the decreasing value of your vehicle, it may no longer provide as much value as it once did. Have your independent agent look up the value of your vehicle to help you determine whether collision coverage still proves a value vs. cost benefit.
Explore Discounts
Car insurance companies offer a variety of discounts that can vary from company to company. Some even offer significant discounts if you allow them to monitor your driving with an on-board device or app. There are also frequent discounts available for good students, no claims, good driving, safety features, and more. Do not be afraid to ask.
Most experts suggest that drivers compare auto insurance rates annually. This is far more often than most drivers compare. If you find yourself paying more and more for car insurance, it may be time to step back and compare. You may be able to improve your coverage while still saving money. We encourage you to connect with one of our independent insurance agents for a no-cost, no-obligation price quote and review. With our independent agents, it may be easier than you think.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Search All Blogs
Read More Blogs
Still Living in the Stone Age? 7 Signs You’re Resisting Technology
Uncover your tech resistance and unlock modern convenience!
Beyond the Basics: 3 Unexpected Ways Business Insurance Protects Your Company
Unlock hidden benefits of smart business insurance.
Uncovering Life Insurance’s Most Intriguing Questions
Dig deeper into life insurance with these uncommon questions.
Beat the Pump: 5 Smart Ways to Slash Your Gas Bill
Easy tips to save big on gas and car costs.
Decoding Your Home Insurance Bill: Factors That Matter Most
Uncover the hidden factors shaping your home insurance bill.
Step Back in Time: 7 Small Towns with Unique American Atmospheres
Discover America’s most atmospherically unique small towns.
Beyond the Bar: Customer Service Lessons from the Best Bartenders
Unlock customer service secrets from your favorite bartender.
Your Safety Net Has a Safety Net: Understanding the Life Insurance “Free Look” Period
Discover your life insurance policy’s “free look” period.
From Edsel to Yugo: Three Automotive Flops That Made History
The biggest blunders in automotive history.
Stay or Go? Why Improving Your Current Home Might Be Your Best Move Yet
Love your home, don’t leave it! Discover why improving beats moving.