Shopping around for car insurance can be a confusing experience. But if you’re willing to put in a little bit of homework and time, you are likely to save a lot of money and give yourself some excellent protection.
The following are some tips to help you get the best auto insurance coverage for your needs:
- Determine the coverage you need: There are certain types and amounts of coverage you are required to have by state law, but you might want to add more coverage to your policy. Review the coverage you currently have and check out the options available. Determine what you are willing to spend on your monthly premiums as well — this will influence the coverage you purchase.
- Get quotes from multiple sources: Don’t just pick a company and go with it blindly. Get quotes from multiple providers so you can see which company will give you the best price for the coverage you’re seeking. Filling out quote requests does not take much time at all, and comparing these quotes could help you save hundreds of dollars per year.
- Avoid certain provisions: Whenever you are looking at auto insurance coverage, avoid any policies with provisions like an agreement to arbitrate or aftermarket parts. An agreement to arbitrate provision forces you to waive your right to sue the company, which could be necessary to get a positive result. Aftermarket parts provisions allow insurance companies to repair your vehicle with aftermarket parts.
- Read your policy thoroughly: Once you receive your car insurance policy, make sure you read it carefully to ensure you got the coverage you wanted and that you are familiar with everything it contains. Keep a proof of insurance form in your vehicle or wallet at all times.
If you need further advice for selecting the right auto insurance policy, contact a knowledgeable Bradenton auto accident lawyer at Shapiro, Goldman, Babboni & Walsh.