Let’s face it. Car insurance may not be the most exciting topic. For a lot of us, it’s something we’d just rather not worry about. Unfortunately, that sort of disdain means we could be paying too much or we might not have the coverage that is right for us. Here are some things you can do to help you get the best car insurance coverage for you!
EXAMINE YOUR SITUATION
Everyone’s situation is unique. Do you live in an area where vehicle theft and vehicle break-ins are common? Then you might want to think about having strong comprehensive coverage and a low comprehensive deductible.
Is your driving record totally clean? Do you have a long history of avoiding collisions or accidents of any kind? Then you could consider less collision coverage.
REVIEW YOUR CURRENT POLICY
Pull out your insurance documents and check a few important things. Obviously, you should know your premium. With the advent of auto-pay, sometimes you can forget over time what you are actually paying! Check your collision and comprehensive coverage.
Insurance companies offer extras like roadside assistance and rental reimbursement. Roadside assistance is great but you may already have it, with AAA for instance. No sense in paying for it twice! Rental reimbursement means that you will be reimbursed for a rental vehicle while your vehicle is being repaired due to a collision.
MAKE YOUR DECISION
After you’ve collected all of the facts, and thoroughly examined your financial situation, it’s time to see if your current policy is the right one for you. Before you switch to another insurance company, give your current insurance a chance to work with you. Many times, they are willing to play ball since they’ve already got you on their roster.