Auto
insurance is a necessary part of owning and driving a vehicle. On one hand, it
is easier than it used to be to find the car insurance policy that fits your
needs, especially as carriers start offering multiple levels of coverage and
prices. On the other hand, more choice makes it more challenging to decide
what’s best for your car insurance needs.
How to Get the Best
Car Insurance Policy
The best car insurance policy is the
one tailored specifically to your budget and your needs. Everything from credit
history to age to employment must be taken into consideration. Keep these
points in mind when shopping for car insurance:
- Know What
Increases Your Rate and Fix It - There are factors that influence how much you
will pay for your auto insurance premium. Speak with your insurance agent about
what specifically is raising your rate, then fix it. Sometimes adding an alarm
or immobilizer to your vehicle can help you lower premiums. Taking a driving
class could reduce a negative mark on your driving history. Combining auto and
home insurance premiums together may offer additional discounts.
- Take a Look at
Claims History – The fewer claims you have had can decrease your premium. This
is especially true if you go five or more years without filing an insurance
claim.
- Consider the
Value of Your Car – You may want to go with physical damage and other options
or simply choose liability only, depending on the age and value of your car.
- Know the Reputation of the Carrier - The
reputation and rating of an insurance company matters. Before you buy your
policy, research the company’s reputation.
- Understand the
Policy You Are Buying - Do not wait until you need to file a claim to find out
the details of your policy. Have your insurance agent explain the type of
coverage, what the terms mean and make sure you understand all exclusions
included in your policy.
Consulting a neighborhood insurance agency, like
Tom Needham Insurance Agency, gives you the opportunity to comparison shop and
get the advice you need to pick the right auto insurance policy for you.
Get started on the shopping process and get
direct comparisons from the nation’s leading car insurance carriers. Call Tom
Needham Insurance Agency today for a quote at 336-855-1223 or request your quote online.
