Choosing the right car insurance coverage isn’t easy, especially if you’re doing it without the help of an agent or other expert. You have to consider many factors, including where you live, how often you drive, what vehicle you own, and what kind of driving record you have. Thankfully, your state may have certain requirements about car insurance that can simplify your decision-making process. In this guide on how to choose the best car insurance for you, we’ll take you through all the steps involved in finding the perfect policy at the best price possible.
General Tips For Getting The Right Kind Of Car Insurance
Like all things in life, it’s important to know what you want out of your car insurance policy. Do you just need liability? Or do you need collision and comprehensive coverage as well? The best way to find out is by having a frank discussion with your agent. Ask him or her these questions: What should I do if I get into an accident with no insurance? What happens if my car gets stolen and vandalized? And so on.
Third Party, Fire & Theft Vs Comprehensive
What kind of coverage do you need? If your car is brand new, Comprehensive insurance probably isn’t worth it. The cost will likely outweigh any potential loss. If you drive a well-maintained older car or one that’s no longer in your possession, talk with your agent about dropping comprehensive and going with third party, fire & theft instead. Also make sure you have enough liability coverage in case someone gets hurt in an accident while riding as a passenger in your car.