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Driving without insurance isn’t just illegal in most places, it’s a bad risk for you to take in regard to your financial future. Never mind the fact that you may get pulled over and receive a hefty fine, but if you are in a car accident, you face years of catching up financially when you could avoid the entire problem by choosing the best car insurance for your needs.
Whether you are a young adult, a parent with four drivers in the house or a young family with one car, choosing the right insurance is vital to minimize risks and keep your costs low. Fortunately, it is fairly easy to compare car insurance and ensure that you are getting the right coverage for what you pay.
Auto insurance comes in different bundles with different types of coverage and add-ons. At 800-Insurance, we make sure that you are getting the best package for your situation without adding a bunch of extra coverage that you don’t need that costs you money. As you search for cheap car insurance that still protect your family, we want you to understand the terms and conditions that are involved in each policy.
When Is It Important to Compare Insurance?
One of the best ways to save money on your insurance premiums is to take the time to compare the rates from top insurance carriers. At 800-Insurance, we will help you compare each policy from different insurance carriers to determine which is most applicable and most affordable for your family. This is something that you should do each year, or every time your policy renews to decrease your premiums.
It is fairly easy to compare car insurance quotes online and have an answer almost immediately when you are considering a new policy or change to your coverage. Don’t just stick to nationwide carriers, but check out specialty and regional carriers for extra incentives, exceptional customer service and additional savings.
Whenever you have a significant life change, you should reconsider your auto insurance. Some of those include:
Purchase of a new car
Move to a new state, city or neighborhood
Having a child
Changes from commuting to telecommuting
Installation of GPS tracking
Adding safety features to your car
How Can You Keep Your Auto Insurance Costs Low?
Auto insurance is specific to each situation, and there is never a one size fits all solution that works for every customer. At the end of the day, your goal is to obtain coverage that gives you peace of mind about driving that doesn’t break the bank unnecessarily. We have some suggestions to help you do that.
First, as state above, be sure to shop around. Don’t settle for the first quote you receive. There are hundreds of insurance companies that offer different discounts, savings and incentives to take money off the top of your premiums. Do significant research before choosing a policy.
Second, you can increase your deductibles. This means that if you are in an accident or require repairs, you will pay more up front, but your regular premiums will be lower. Determine how much you can comfortably pay if you do find yourself needing repairs, and change your deductible to reflect that.
Third, check for discounts. Companies offer discounts for things like additional policies, good grades from teenagers and a clean driving record. Don’t forget to ask for any discounts that are applicable to you when you choose a policy.
Fourth, encourage safe driving and take advantage of teen driver discounts if you have a teenager in the house that is on your insurance policy. Typically, it is more expensive to insure a teen because they are most likely to be in an accident that ends in a fatality. Teens can decrease their costs by driving less, improving their grades and taking defensive driving courses.
Auto Insurance When Renting a Car
Travelers often deal with confusion when it comes to buying insurance and renting a car. Anyone renting a car should have insurance coverage, but that doesn’t mean that you need to buy it from the rental company.
Before you leave on your trip, contact your insurance agent at Bolt Insurance to determine if your current policy covers rental cars. Many insurance policies include coverage for rentals if you’re traveling for pleasure rather than business. You will want to make sure you have both collision and comprehensive coverage when you are renting a car.
If your current policy does not have rental car coverage, you have the option to purchase from the rental car company. This coverage is often more expensive, so you may benefit from adding the coverage to your policy if you don’t already have it.
Another way to get rental car insurance is through one of the four major credit card issuers Discover, American Express, MasterCard or Visa. If you decline the rental company’s coverage and pay for the entire rental on your credit card, it may provide insurance coverage if your rental is for personal use, but it is always a good idea to contact the card issuer beforehand.
Finding the Best Auto Insurance
Even if you have been with a carrier for a significant period, you have the option to switch when you find better coverage from another company or carrier. Consider the types of coverage you need for your situation, whether you are a first-time car buyer or a long-time customer. Discuss the following with your insurance agent before settling on a policy:
Personal Injury Protection (PIP) or Medical Payments (MedPay)
Comprehensive and Collision
Under insured or Uninsured Motorist
Many consumers pay more for insurance coverage they don’t need because they don’t take the time to shop around and find the best policy for the best price. At 800-Insurance, we make it simple for you to do so. In just 24 hours, we provide you with a free quote and advice about how to lower your quote if necessary. We compare coverage from the top carriers in the nation and ensure that you are adequately covered for the best price. Contact us today to learn more.
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