1. Do you drive often?
Do you use your car every day for work or for driving kids to and from school? If you don’t, mileage-based insurance may work for you. Try to calculate how many miles you drive a month. Is it less than 100? Is it over 1,000? Make sure your policy reflects how often you use your car.
2. What type of vehicle do you drive?
According to research, certain types of cars – say a flashy sports car – may be more likely to be stolen than a regular sedan. On the other hand, if you have a car with the latest safety features, you may receive discounts.
3. Where does your vehicle get parked most often?
Do you live in a suburb with a car garage to protect your car? Or do you park on a city street? Since your car is more likely to get stolen or damaged on a city street over a garage, this may affect the price of your car insurance.
4. What condition is your vehicle in?
Usually, new cars do not break down as often as older cars do. If you own a newer car, you’ll only need minimal towing coverage. If your car is older, your policy should be adjusted accordingly.
5. Who will be driving your vehicle?
If there are drivers who use your car often, they should be listed on your policy. Most of the time, car insurance will cover occasional drivers but if you have a spouse or teenager that drives your vehicle often, this will affect the price of your insurance.
Whether you are searching to lower the price your car insurance or you’re curious about other insurance policies, be sure to keep these 5 questions in mind to help you choose the perfect car insurance for you.