Every driver has a different set of needs based on his or her driving habits, preferences, and costs. Before comparing policies and insurers, you must figure out what factors are most important for you. To help make this easier for you, we thought it would be useful to put together a brief article on this subject. If this is something that you’re interested in, read on for five questions you have to ask before purchasing auto insurance.
How Much Do You Drive?
Do you drive your car every day, such as to commute to a job or school or to take the kids to activities? Do you drive 100 miles per month, or closer to 1,000, or maybe more? You need to make sure that your insurance policy accurately reflects how much you drive. If you don’t drive much, you might want to get a mileage-based insurance plan.
What Type of Car Do You Drive?
Insurers have mountains of data in the form of statistics that demonstrate the likelihood of certain types of claims being filed for different vehicle models, making it easy for them to predict which models are likely to result in higher rates and which are likely to result in lower rates, thus leading them to charge you more for a flashy sports car than a regular sedan.
Where Do You Live?
Where you live can impact your insurance rates—and it might even be a factor in what coverage you purchase. For example, cars parked on the street in urban areas face greater risks of theft and vandalism, making a car insurance policy with comprehensive coverage attractive. You might discover that your premiums are lower if you move from a city to a suburb.
Is Your Car Financed or Leased?
If you still owe money on your car, or you have to return it in good condition when a lease expires, it is likely that your auto insurance policy will cover the full value of the car for collision and comprehensive damages, as well as cover any amount by which you owe the car dealer. Supplemental gap insurance will cover the rest.
Will You Be Using Your Car for Your Job?
If you use your car not just to get to work but also to transport paying passengers through a ride-share service, deliver pizzas, or perform other commercial tasks, standard personal auto insurance does not cover any of these activities. If you drive for commercial purposes, contact an agent to help you choose a commercial auto insurance policy.
We hope this article proves to be useful when it comes to helping you choose the right auto insurance provider. Don’t forget that your insurance options and costs will also be affected by your age, gender, and driving record. Whether or not you have a good credit score can also impact your insurance rates. Be aware of this when you browse the insurance options available to you. While this may seem difficult, it becomes considerably easier as long as you know what to take into consideration in order to choose an insurance provider that meets your specific needs. Be sure to keep everything you’ve learned here in mind so that you can make the most informed decisions regarding your car insurance.
For all your auto insurance needs in Georgia, Brand and Britt Insurance is here to help. Let our insurance experts help you find the right policy for your needs. Contact us at 770-963-6427 to get a free quote!