Tips for Auto Insurance Shopping

When buying a car, there’s more to consider than the make and model. Price, size, gas mileag, even the way it feels behind the wheel, affect your decision.

You also should weigh your options when buying auto insurance. With many brands and features and price ranges out there, it pays to do your homework.

Here are some common questions people ask when they shop for insurance.

What type of auto insurance can I choose from? There are two types of auto insurance: Liability coverage pays for damage to other vehicles or injuries to other people that you cause. Physical Damage coverage pays for damage to your vehicle. These two coverages are the foundation of your policy.
How much coverage should I buy? Each state defines the minimum amount of coverage required, but after that, the amount of coverage you buy is up to you. You choose based on your comfort level, budget and lifestyle. Some people want as much coverage as possible for all of life’s “what ifs.” Others are satisfied with bare-minimum coverage. If you have a newer vehicle, you may want more coverage to protect your investment. If you can afford higher deductibles (the amount you’ll pay out of pocket in the event of an accident), you can raise them and pay less premium.
How is my rate determined? Rates are based on a combination of pieces of information about you, your driving record and your car. It’s important for you to provide accurate information to your local agent or to the insurance company you’re buying from. It helps them determine the best options and rates for you.
Can I get a lower rate? Many insurance companies offer discounts that can help lower your rate. For example, many companies offer discounts for good student drivers, paying your premium electronically and having more than one policy.
First and foremost, make sure you call RJ Bailey Insurance Center for a free quote today! 701-356-7001

Posted on: November 17th, 2014 at 10:16pm by ctheuninck. Filed under: Uncategorized

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