Things to Think About Before Buying Car Insurance

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Car insurance is one of those things that you have to have, but it sure is a pain to have to think about. How much do you need? Who do you get it from? How much will this cost you? With February being National Car Insurance Month, we wanted to help bring some things for you to consider before you commit to getting car insurance.


1. Coverage

Every state has different car insurance requirements, but most states have a minimum requirement of having liability insurance. This helps cover the cost of injury or death to anyone in a motor vehicle accident you cause. While liability insurance is the minimum, there are also other additional forms of coverage, such as comprehensive, collision, personal injury protection, and uninsured/underinsured motorist protection.


2. Deductibles

Your deductible is what you need to pay before your insurance provider pays the remainder of your bill. Your deductible can range from $0-$1,500. You choose what your deductible will be and that will impact your monthly premium payment. The lower your deductible, the higher your monthly payment. Conversely, the higher your deductible, the lower your monthly payment. Be careful not to set your deductible at an amount too high for you to pay if you ever need to file a claim.


3. Other Factors that Decide Your Rate

Your deductible is not the only thing that affects your monthly rate. For example, providers take into account your previous automobile history, your age, and your credit score when setting your rate. When choosing an insurance provider, keep these other factors in mind!


4. Your Car

Even the type of car you drive will impact your insurance rate. How much damage can your vehicle potentially inflict on someone else in an accident? Those with larger vehicles, such as trucks and SUVs will see an incrementally larger rate for their liability insurance.


5. Discounts

Many insurance providers offer a range of discounts, but you will have to ask for them. Some companies offer discounts for additional safety features, such as air bags, car alarms, and good driving records. Less common discounts can also include parking regularly in a garage, owning a hybrid, and even being an alumnus of a university. If your insurance company offers multiple types of insurance, such as home, auto, and life, you can receive additional discounts for bundling.


Whether you are looking to insure a new driver or just looking to change insurance companies, it’s always good to give some thought to all the factors that go into your car insurance policy. If you still have questions after doing your own research, make sure to ask an agent and get the answers you need to make a confident decision.

Thomson Smith & Leach








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