When planning on purchasing auto insurance there are a few question you should ask yourself. This article will take a look at 10 common car insurance questions every potential buyer should consider.
1. Am I a Safe Driver?
Before considering purchasing auto insurance you should look at your driving record, including past speeding tickets or other violations. If you are a safe driver then look for insurance companies that offer discounts for safe driving.
2. What Coverage Do I Need?
This is entirely individual and the coverage will depend on your needs; however the one policy that should not be cut back no matter what vehicle you have is bodily injury coverage, this can save you thousands if you are ever involved in an accident.
3. Am I Paying Too Much
When most people shop for car insurance they are looking to change their current plan. Shopping around will help you save money on your premium and may even get you a better policy.
4. Do I Have Good Grades?
Many of us are either students in high school or college, or have younger drivers in the family will save hundreds on their premium for a 3.0 or higher GPA.
5. Have You Taken Defensive Driving Classes?
Defensive driving classes are inexpensive or free in certain areas (check local listings), they not only help you become a good driver, but they will reduce your premium by a reasonable amount each year.
6. What Coverage Will I Get?
Different insurance companies offer different coverage, this relates to #2 on this list however you should look at what is actually being covered. Many people will think they are fully covered but when they file a claim they are sorely disappointed to find out they were not covered.
7. How Hard is it to File a Claim With This Insurance Company?
Researching each and every company you want to give your business to and look at prices as well as their customer service. Customer service is critical for auto insurance, so make sure this is on the top of your list.
8. Do I Need a Comprehensive or Collision Plan?
Cars that are older and do not have a high residual value would be foolish to get 100% coverage on. You will end up spending more than you would if you got into an accident on the insurance premiums; however this does mean you should get insurance to cover an accident for the other member involved in the accident. High value cars should get the best protection as they have the most to lose.
9. How Much Can You Afford?
This one may seem rather obvious but do not spend more than you can afford. Shop around to see if you really are getting the best coverage for the least amount of money.
10.Does the Insurance Cover the Windshield?
Windshield can be easily broken from a kicked up rock on the highway or from hail; some insurance companies do not over windshield coverage which can be a big and costly disadvantage.