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How To Choose Auto Insurance

As a smart consumer, when you make a purchase you want to be sure you’re getting the best value for every dollar you spend – now more than ever. Getting the best value doesn’t always mean buying the cheapest item you can find. Usually, finding the best value is a combination of cost and other factors that determines overall value. Shopping for full coverage auto insurance is no different. Even though full coverage auto insurance may not be as exciting as a new car or other glitzy purchase, to get the best value you need to spend some time to carefully consider your options.

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1. How much coverage DO you need? When choosing full coverage auto insurance, you need to consider the premium and the deductible. Although the deductible is pretty much up to you, there are a few ways you can influence the amount of your premium. Depending on the age of your vehicle and its value, it may be a wise idea to drop collision coverage. While many drivers will be comfortable with their state’s minimum coverage, other individuals with homes or other significant investments would be wise to increase liability coverage. In some instances, you may want to consider an umbrella policy, which offers a substantially higher level of coverage.

2. Lower your premiums. If you have points on your license, you may be able to reduce your premium by taking a safe driver class. And be sure to check your credit report for any errors that may be causing your premiums to go up. If you have a student on your policy, make sure they keep good grades to take advantage of any potential “good student” discounts.

3. Is your total liability the same as your individual liability? Many insurance companies quote a total liability coverage amount as well as a lower individual liability amount. For a policy that offers, for example, $300,000 total liability, you may only have $100,000 individual liability. If an accident occurs and an individual accrues $200,000 in legal damages, you would be responsible for $100,000. In general, it’s a wise idea to have equal amounts for total and individual liability coverage.

4.Ask for perks. Some companies offer roadside assistance for much less than an auto club, while others offer an inexpensive option to cover a fully paid car rental in the event of an accident. Both are worth considering.

Purchasing full coverage auto insurance can offer great advantages, including peace of mind. Make sure you invest a little time before you purchase to ensure you’re getting the best value for your dollar.

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