Shopping for Auto Insurance
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Whether you have your car already or you are still shopping for the best option, it is definitely important to shop for auto insurance too. Right about now though, there are a thousand and one questions running through your head, right? Questions like…
- How much will it cost me?
- What coverage do I need?
- How I can I save money?
- Can I trust auto insurance policies I find online?
- Is there any aspect about auto insurance that I don’t know about?
If these questions sound really familiar to you, then read on. In this article, we will talk about the basics and the most important aspects of shopping for auto insurance or GAP Insurance. We will answer each of the five questions above and other issues about car insurance to help you make an informed decision.
How Much Will Auto Insurance Cost Me?
Before you can even start to plan your insurance budget, there are two things that you need to sort out first: your needs and your wants. After you’ve made your list, then, you can start planning out a budget for your new insurance policy.
The truth is, it is impossible to give an exact or definite figure on how much a policy will cost you. It depends on a number of factors (e.g. car model, sex, age, driving record, your location, coverage, and insurance provider). Here’s a general rule though, the more “low risk” you are, the less you will have to pay for insurance.
But according to the National Association of Insurance Commissioners 2009 data, the average auto insurance cost is around $785/year in the US.
What Type of Coverage Do I Need to Look for?
Just like in any type of insurance, you get what you pay for. Now, the best way to know that you get the best deal is to look for the different types of auto insurance coverage and just pick those that you think you would need.
For example, if you already have medical insurance, then you can go away with a medical payments coverage add-on to your auto-insurance plan. If you tend to drive long distances and don’t know a lot of about fixing cars in case of a breakdown, you should look for a plan that would cover emergency road services.
How Can I Save Money from Auto Insurances?
Since most insurance companies calculate auto insurance costs based on similar factors, here are some tips to get lower premiums:
- Ask for discounts
- Choose your deductible
- Don’t add “extras” that aren’t needed
- Learn about your vehicle’s safety ratings
- Keep your driving record clean
- Get your credit score up
Are Online Auto Insurance Policies Safe?
If there’s something that we could all agree on about the Internet, it is that it is a double-edged sword. So can you trust auto insurance policies you find online? Yes and no.
It is important to do your research first when you are shopping for car insurance and here is where the World Wide Web would come in handy. You should look for companies that serve your area and ask them your questions.
Read reviews and whether it is via phone call or an actual meet-up, make sure to transact with a knowledgeable company representative.
What Else Should I Know about Auto Insurance?
Well, there’s a lot to know about auto insurance! Whether it is your first, twelfth, or hundredth car, there’s always more to learn about auto insurance and shopping for the right one. There are many different types of auto insurance and a lot more insurance providers to choose from.
The key is to ask questions and be skeptical of the answers. Nowadays, anything can go wrong on the road and it would help if you are certain that you are 100% protected.
Talk to a licensed auto insurance agent and find out how they could help you find the perfect fit.
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More Information on 3 of the Largest Auto Insurers
Government Employees Insurance Company (GEICO)
Based in Maryland, GEICO is one of the largest auto insurance company in the country. It is available in 50 states and is known for its “15 minutes could save you 15%” slogan. Aside from auto insurance, this company also offers insurance for motorcycles, ATV, homeowners, renters, condominiums, co-op, RV, life, boat, flood, and many more. Aside from the usual coverages, GEICO also offers add-ons like emergency road services, rental reimbursement, and mechanical breakdown insurance.
Progressive Auto Insurance offers different coverages and a promise of a “quote in about six minutes” for online customers. Progressive also offers free policy reviews, loyalty rewards, free glass repairs, and flexible payment options. The company is based in Ohio, available in 42 states, and currently has over 10 million policies in the country.
State Farm Insurance
The State Farm Insurance company, based in Illinois, is also one of the big names of auto insurance both in the US and Canada. State Farm is known for its auto insurance coverages: auto liability (bodily and property damage), personal injury protection, medical payments, collision, comprehensive, uninsured motorists, underinsured motorist, rental reimbursement, and emergency road service.