8 questions to ask before buying auto insurance
8 questions to ask before buying auto insurance
Make sure your car coverage reflects your needs and budget
1. How much do you drive?
Do you absolutely need your car every day—for instance, to commute to work or drive the kids to school and activities? Do you drive 100 miles a month or closer to 1,000 or more? Make sure your policy reflects how much you use your car. If you don’t drive a lot, you may want to opt for mileage-based insurance.
2. Will you be using your car for work?
If you use your car not just to get to work, but to perform tasks for which you get paid, commercial auto insurance is a necessity. A personal auto policy will not provide coverage if you transport paying passengers through a ride-share service, deliver pizzas, drive as a courier or use your car for other commercial activities.
3. What type of car do you drive?
Insurers have mountains of data, and they know in precise detail what types of cars, makes and models are more—or less—likely to incur claims. A flashy sports car with a powerful engine may be more likely to be stolen and its bodywork costs will be more than on a mid-sized sedan—and your insurance will be priced accordingly. Some types of cars—such as modified or classic cars—require special insurance. By the same token, you may receive discounts if you have a “safe” car—one with the latest safety features and a good safety record.
4. How much do you love your car?
If you love the way your vehicle looks and take pride in its appearance, you’ll likely want it fixed perfectly—or replaced with the same model—if it gets damaged. That means you’ll probably to consider the fullest range of insurance—including collision, comprehensive and glass coverage. On the other hand, if you drive a beater, see cars merely as transportation and want to save on premiums, you might prefer to[…]
# # #
Continue reading this Insurance Information Institute article.
Don’t forget, The Portier Agency offers:
homeowner/mobile home/ renter’s /automobile / motorcycle / life / commercial / crop insurance.
Call or come by to get your quote!
The Portier Agency, LLC
113 North Irwin Avenue
Ocilla, GA 31774
229-468-3444
portieragency@windstream.net