5 Tips to Choose the Right Car Insurance

Choosing the right car insurance policy can be just as tricky as finding
a car driving on a dirt road

Choosing the right car insurance policy can be just as tricky as finding the perfect car. It helps to understand how insurance premiums are determined, how claims affect your premium, and how your driving record and zip code factor into your rate. Take a look at some helpful tips on choosing the right car insurance coverage for your needs.

1. What type of coverage do you need?


You need to think about what type of insurance coverage you need before you start shopping for insurance companies. Every state has a minimum coverage requirement. Be sure to look up your state’s requirements for policy limits so you can determine which you need. Most states require liability coverage, which includes bodily injury liability and property damage liability. There’s also underinsured and uninsured motorist coverage, comprehensive coverage and collision coverage, medical payment coverage, and personal injury protection (PIP).

Florida drivers pay some of the highest rates in the United States for insurance coverage. The sunshine state has a dense population, a high uninsured motorist percentage, no-fault insurance, and a high claims rate, making it an expensive state to drive in. The minimum requirements for motorists in the state of Florida are bodily injury liability coverage and property damage liability.

The best way to find the cheapest car insurance in Florida is to comparison shop car insurance quotes. Using your zip code you can compare car insurance rates and find the best deal for your driving needs. You can find usage-based programs that save you money from providers such as Allstate and State Farm. Look for providers that offer rewards for a clean driving record, good credit, or participating in a defensive driving course.

2. Shop around for insurance providers.


The best way to ensure you pay the lowest rate on your insurance is to comparison shop providers. It’s a good idea to familiarize yourself with the cheapest and most expensive cars to insure and understand how the make, model, and year affect the policy price. Always review customer service ratings and get an idea of how each insurer treats clients. You want to work with an auto insurer that’s highly rated, has efficient claims processing, and that prioritizes customer satisfaction.

3. Consider the features and benefits that come with a policy.


Look for an auto policy that works for you. Features like online claims processing can streamline the process of gathering documents for review and connecting with adjustors. Ask insurance providers to explain their claims process, and find out if they offer online bill payment. Some providers offer discounts for using online bill pay, and sometimes you can earn discounts for good driving.

4. Ask about customization.


The best car insurance provider is one that caters to your unique driving needs and allows for individualized coverage. Look for a provider that offers custom benefits and savings. You can find discounts for low mileage, professional or university associations, good drivers, eco-cars, retirees, and students.

You may want to consider an insurance carrier that offers insurance for your RV so you have peace of mind when heading out for your next adventure. The Mill Casino Hotel & RV Park is a premier RV park in Southern Oregon with inviting amenities and proximity to local attractions. The campground offers wifi, fire pits, a game room, on-site bathrooms, a playground, a dog park, and a free shuttle service into town and the casino.

5. Read the fine print before you sign.


Before you commit to a policy, be sure to read the fine print. Within an insurance policy is a declaration page that summarizes your policy. It contains details about your deductible, policy effective dates, type of coverage, discounts, and more. You should also become familiar with the insurance claim process to avoid any surprises in the event of an accident.

Keep these tips in mind when shopping for your next auto insurance policy.

Read More