Things to Consider When Shopping for Car Insurance

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.