It is important to know what questions to ask yourself before you start your search for auto insurance. Here are 5 questions that we think are important to discuss:
1. How much do you drive a week?
Taking public transportation to work instead of driving could lower your rate. Do you have this option? If not, how far is the commute to work, grocery store, gym, etc.
2. How old is your car?
If you own a much older car, you may want to drop collision coverage. The monthly premium could cost you more than the replacement value.
3. Can you afford a higher deductible?
The more you are willing to pay out of pocket, the lower your monthly rate will be. Is right now the time to buy, or is it smarter to wait?
4. How is your credit score?
If you have bad credit, insurance companies may charge you a higher rate, thinking you may be more likely to file a claim after an incident.
5. Do you belong to a professional group or organization?
The insurance company may have a discount for you. Request a list of eligible groups to see if you qualify.
If you have more specific questions about auto insurance, please give us a call today! A trusted agent will be waiting for your call.