What do you do?
A) Flee the scene
B) Call your car insurance company to file a claim
In situations like these, car insurance can be a money saver and stress reliever
If you’re in the market for new auto insurance, here are five things you should do before picking another policy.
Figure out what coverage you need
Not all insurance companies are built the same. Some offer perks and features; others don’t. Some are better for drivers with expensive sports cars; others are better for people who need a way to and from work.
You’ll need to figure out what kind of coverage best suits your needs. Do you want a broad policy or a flexible one? Do you need full coverage or just liability? Do you need emergency roadside service or do you feel safe without it?
Consider your driving history
Your driving history plays a huge role in determining how much you’ll pay for your coverage. If you’ve had a series of traffic accidents or tickets in the past, chances are, you’ll pay more for insurance than someone with a pristine driving record. If you’re an accident-prone driver, you may want to foot the costs of more expensive insurance to ensure you have enough coverage, just in case.
Compare the costs
Compare auto quotes to avoid overpaying or getting underinsured. Shop around at different providers and see what they offer. Our partners at Quote Wizard have made shopping and comparing insurance rates easy and quick. Save time and money by using their marketplace to compare insurance carriers side-by-side and choose the one best for your situation.
Look for discounts
If you already have renters, home or life insurance, you may be able to add your car insurance onto a policy with that same company. Some companies offer 10 or 15 percent off your premium for bundling, while others offer discounts for safe drivers, drivers who haven’t filed many claims or drivers with a good credit history.
Check the licensing
You should only buy insurance from a carrier licensed to do business in your state. Go to your state’s insurance commissioner or the