How to Select Car Insurance

1.

Call at least three agents to ask for pricing.

2.

Ask for proposals in writing.

3.

Make sure you plan on sufficient liability coverage to protect your assets.

4.

Consider whether you need secondary coverage, like emergency road service and rental reimbursement.

5.

Tell the agent if your car is mortgaged or leased.

6.

Make certain the agent inspects your car and verifies the odometer reading and vehicle identification number.

7.

Know the value of your car.

8.

Consider dropping collision and comprehensive coverage if your car has lost most of its value.

9.

Choose the highest possible deductibles, if such coverage is necessary.

10.

Ask about discounts for age, good driving history or insuring multiple vehicles with the same company.

Tips and Warnings

  • Nearly all states have compulsory auto insurance laws requiring drivers to carry public liability insurance.
  • Only add coverage you do not already have through another source, such as an auto club.
  • Carry sufficient liability to protect your personal assets.
  • Do not misrepresent your driving record, or your insurer can declare the contract invalid and refuse to pay a loss.