In this day and age insurance is important. There’s no way around that. While everyone is quick to get a life insurance policy for themselves and even cover their pets, people often take a while to insure their vehicle.
Could the reason for this be that picking the right car insurance policy can be complicated, confusing and time-consuming? Quite possibly. But if you use the tips we’re going to outline for you today, picking a car insurance policy for your vehicle will be a breeze.
1. Follow Your State’s Requirements
Always bear in mind that different states require different levels of insurance cover. Make sure that the policy you have your eyes on meets the minimum insurance requirements for your state. We’ll use these four states as an example:
- Alabama’s minimum car insurance requirements: $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident and $25,000 property damage liability per accident.
- California’s minimum car insurance requirements: $15,000 bodily injury and death liability per person, $30,000 bodily injury and death liability to more than one person and $5,000 property damage liability per accident.
- Florida’s minimum car insurance requirements: $10,000 personal injury protection and $10,000 property damage liability per accident.
- New York’s minimum car insurance requirements: $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $50,000 liability for death per person, $100,000 liability death per accident, $10,000 property damage liability per accident, $50,000 personal injury protection, $25,000 uninsured motorist coverage per person and $50,000 uninsured motorist coverage per accident.
2. Pick the Right Insurance Company
It should come as no surprise that careful consideration is vital when picking an insurance company. Take the time out of your day to research different companies. Scroll through their customer reviews and keep your eyes peeled for answers to the following:
- Does the coverage warrant the cost of the premiums?
- Does the company use your credit score to determine the price you’ll pay for premiums?
- How responsive are the customer support agents?
- What discounts will the company offer for aspects such as low mileage vehicles,green cars and students?
- How quickly do they typically process claims?
3. Conduct Quote Comparisons
How will you know if you’re getting the best deal if you don’t request and compare different car insurance quotes from different companies? You won’t. That’s why we recommend that you compare at least three different quotes in order to find the one that best suits your needs.
An abundance of factors influence the quote amount. Here are just a few examples:
- The amount of driving experience you have.
- The crime rating of the area in which you live and work.
- Your car insurance history.
- The age of your vehicle.
- The size of your vehicle.
- Your age, gender and marital status.
See? Picking the right car insurance doesn’t have to be a hassle. Keep our tips in mind when you start policy shopping and enjoy all of the benefits that come with being a well-informed vehicle owner.
Are you ready to start driving in confidence?
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