It seems like every other commercial is for auto insurance, and while the ads may be clever, it’s important to research each carrier before buying coverage. Here are some questions to keep in mind when choosing an auto insurance company.
Is it the right coverage?
Visit your state’s website to make sure you meet guidelines including uninsured and underinsured motorist’s coverage. You want to meet your states requirements, but you don’t want to pay more than you have to for coverage.
What is the deductible?
Many people choose a higher deductible to save money on an ongoing basis; however, the deductible should be an amount you can afford should something happen.
Can you combine it?
Combing your auto insurance with other insurance coverage is a great way to save money. When switching carriers be sure to ask about “bundle” discounts.
Are they reputable?
Asking friends their experiences is a great way to get firsthand accounts, but make sure you check online review sites as well as the Better Business Bureau and Consumer Reports for more feedback and ratings.
Do you have a clear record?
Check with your state’s department of motor vehicles to see if you have any tickets or violations on your driving record. Try to wait until these clear before shopping for insurance to get the best rates.