When you are looking to buy auto insurance and you need to shop around. The reality is that there are many different insurance companies. So, you want to ensure that you get the best car insurance for you.
#1: Discover Your State's Minimum Coverage Requirements:
You need to know that there are 4 main types of coverage: bodily injury liability, property damage liability, medical, and uninsured/underinsured motorist protection. However, many states only require property damage liability and bodily injury. These requirements may vary depending on the value and age of the car.
#2: Compare Different Policies:
Before you actually buy auto insurance, you should compare at least three different policies. While this will take you some time, you can be sure that you'll be saving hundreds of dollars every year. Here at RL Jones Insurance we can take care of that for you.
In case you only tend to look at national companies, you should check local ones as well, such as ours. The reality is that in most cases, you'll have a better customer satisfaction when choosing a local insurance agency.
#3: Don't Ever Lie:
When you are dealing with increasing premiums, a lot of people may be tempted to lie to get a lower rate. The truth is that around 10% of all drivers have either provided a different zip code in a more desirable area than the one the car is actually stored in, have intentionally underestimated mileage, have claimed their car was for pleasure instead of commuting or have left a driver off their policy.
While this may be tempting, the truth is that you may run into serious problems if you file a claim. In case this happens, you may end up paying for all damages out of pocket since the policy will be considered inapplicable.
#4: Ask for Any Discount available:
No matter how odd this may be or look like, the reality is that there is nothing wrong about asking for any promotions explicitly. Just do it politely.
One of the things that many people don't know is that an insurance agent may be able to offer you some discounts. These might include:
Special bundle prices for joining your auto insurance policy with other policies, like homeowner's or renter's insurance
Good driving record discounts
Deals for members of professional organizations (be sure to name yours)
On-time payment discounts that could save you in the long run
Special quotes for paying your six-month or annual premium in one payment
Incentives to go paperless
All you need to keep in mind is that you don't look for car insurance every day. And since you can, in fact, save a lot of money every single year, make sure that you get a list of the best national and regional insurance companies. Besides, talking to a specific insurance agent may also help you purchase the coverage that fits you and offer you a discount. Give us a call at (928)627-8212, we have two locations in Yuma and one in San Luis to better assist you. We are the best auto insurance agency in Yuma.