4 Questions You Should Ask When Choosing Car Insurance

Friday, November 8, 2019, 6:00 AM | Leave Comment

The car you drive, your finances, and your personal needs all play a part when comparing car insurance policies.

Before you start comparing, you need to determine how and how often you will be using your car.

Some people drive their cars daily while others only use their vehicles on the weekend.

To help the process of buying coverage a little less confusing, below are four questions you need to ask prior to signing on the dotted line.

4 Questions You Should Ask When Choosing Car Insurance

  1. What Kind of Car Do You Have?

    The type of car you have is just as important as how you use it. Depending on the make and model of the car, monthly premiums will vary. For example, the monthly premium for someone driving a sports car will be more expensive than the premium for someone driving an older four-door sedan. In addition, some types of vehicles, like classic or modified models, will also need a specific type of policy.

  2. Where Do You Reside?

    Where you live can also affect your car insurance premiums. If you live in an urban area where you have to park on the street and are at higher risk for theft of vandalism, your rates may higher when compared to someone who lives in the suburbs.

  3. Who Else Is Driving the Car?

    In addition to having adequate coverage for yourself, you also need to cover anyone else who may drive your car. For example, if you plan on letting your teen use the car as well, what you pay and the type of coverage you need will vary.

    Younger drivers with less experience usually pay higher premiums than someone who is older. Anyone who is going to get behind the wheel, even if it’s only occasionally, needs to be covered.

  4. What does my state insurance requirements?

    Just about every state in America requires drivers to carry liability coverage. However, the levels required can vary state to state, so you must research and adhere to your state’s specific regulations.

    Also, know that liability coverage will not provide you the coverage you need it to if you or another authorized user is involved in a serious accident. For this reason alone, it’s always better to carry some type of comprehensive coverage on your vehicle.

Driving a car is a huge responsibility, not to mention a privilege. While you can’t prevent all accidents from happening, you can get the appropriate level of coverage to protect you and your family when behind the wheel.

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