Choosing a new auto insurance company is far from fun, particularly if you have a few blemishes on your driving record or a tight budget. It can feel downright impossible to find what you need for a price you can afford. It is not! Here are three simple-to-remember things to keep in mind as you shop for a new policy:
#1 Find a company who is honest, friendly, and affordable! It should always be easy for you to reach your insurance agent, whether you have a simple question to ask, need to make a policy change, or were recently in an accident. When you speak with them, they should make you feel more at ease, not accuse or disrespect you. And of course- your auto insurance policy isn’t much help if you cannot afford the monthly premiums. It’s possible to find a company that meets your exact needs!
#2 Ask about your possible deductions. Insurance companies provide a variety of discounts, you just need to find out which one offers the most that benefit you. A popular one is offering price breaks for customers who bundle car insurance with other policies, such as homeowners insurance or boat insurance. You can also get a possible discount for insuring multiple cars with one policy, having a clean driving record, paying your entire annual or six-month premium at once, agreeing to receive documents online, owning a car with certain anti-theft or safety features, and even being a member of particular organizations.
#3 Look into which types of coverage you really need. One of the best ways to lower your insurance payments is by no longer paying for coverage that you do not need. For instance, the maximum payout under a Collision or Comprehensive policy is limited by the value of the car if it’s totaled. If your car is older and has a low market value, it may not make sense to pay monthly for these types of coverage.
Your budget isn’t unlimited. Why should you pay more of your hard-earned money than you need to for auto coverage? You shouldn’t! And when you find your next auto insurance company, you won’t have to. Many drivers in California, Texas, and Florida go through this list and realize that Pronto Insurance is the right new auto insurance company for them. It is incredibly affordable- plus, fast and flexible!