Some California drivers think they can save money on car insurance by cutting corners. Their reasoning generally goes something like this: “Why should I pay more money to cover unlikely situations? I can probably just cover the basics and save big.” However, this is only true if you have the good fortune to avoid any unexpected and unforeseen emergencies.
Now, maybe you walk around with a pocket full of four leaf clovers and have the best luck in the world. Or maybe you’re just an incredibly safe driver who has never had occasion to worry about getting in a freak accident. The trouble with both of those scenarios is that luck has a bad habit of running out just when you need it most. Furthermore, even if you’re a brilliant driver, that won’t necessarily protect you from the mistakes and poor judgment of other drivers. An article from the Sun Sentinel points out that other vehicles cause over 60 percent of motorcycle accidents, and that only 19 percent of car crashes involve a single vehicle. This statistic means that no matter how good you are behind the wheel or handlebars, you need an insurance policy that protects your vehicle…and you.
There’s one thing we should talk about before you decide on a policy, though. As stated above, many people assume they have to choose between having either complete or affordable coverage. That is simply not the case, however, because you can get both – complete coverage at an affordable price. You just have to choose the right company.
What to Look For
There are lots of great ways you can save money while driving, but getting cheap and unreliable auto insurance shouldn’t be one of them. When you’re looking for auto insurance, you’ll want to make sure that it covers everything you’re going to need. That includes liability, collision, comprehensive, medical, personal injury protection and uninsured or underinsured motorist coverage. You should also pick a company that works with you to determine the right amount of coverage that you’re likely to need. After all, there’s no point in getting too much coverage, either. It’s all about coming up with an efficient strategy to cover all your bases. The right insurance company can make that happen by communicating effectively with you and working to understand your specific individual needs. Insurance can be complicated, however, and sometimes it’s hard to know what to buy, so it might make sense to work with an agent. These professionals know the ins and outs of insurance and they can help choose the coverage plan that’s right for you.
What to Avoid
Avoid insurance companies that claim to save you money by offering less coverage. There’s no point in getting a cheap policy if it isn’t going to protect you when something goes wrong on the road. Getting into a scrape on the highway is bad enough. The last thing you want is to deal with financial problems on top of that. Many discount insurance companies don’t offer you enough coverage to protect you from anything but the most basic and predictable situations. You want to arm yourself with the best coverage you can find, as long as it’s affordable and appropriate. And here’s a good tip: Check out the company’s financial ratings, because you want to make sure they have the resources to pay your claim.
To Sum Up
Picking an auto insurance provider can be a challenging and intimidating task, but it doesn’t have to be. When you choose the right provider, it can make your entire insurance process painless and even helpful. You should feel good about the company you choose, because the reality is that your car insurance company is there to help you when you need it. When you choose a provider, just make sure to keep in mind the most important criteria: affordable rates with coverage suited to the way you drive. Keep away from shady providers who offer incomplete policies, or overly expensive options that try to sell you more than you need. If you can do this, you should be able to insure your vehicle in a way that keeps you safe and your wallet happy.