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4 Important Things to Consider When Buying Auto Insurance

6/22/2016

5 Comments

 
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There are some things that you need to consider when choosing the right auto insurance coverage that suits your needs. In Florida, you need to carry a minimum liability coverage and proof of insurance before you can register your vehicle. Note that the minimum amount of coverage may not be enough to pay for the damages that are due to an accident. If that is so, the legally liable driver will be the one to pay for the damages out from his pocket.

When buying auto insurance coverage, consider the following:

What Car you Drive

The type, brand, and model of your vehicle should always be taken into consideration when buying a policy. Ask yourself whether you can afford to replace your car if it was totaled? It is already a given that if you finance your vehicle, you will be required to get comprehensive and collision coverage for protection. However, if you bought the car upfront, you have the option of not getting any coverage. But we urge you to think wisely and consider the risks.

The Value of your Assets

If you are sued for a car accident, do you have the financial means to pay for the injuries and damages? Ideally, your liability insurance coverage should be enough to protect you financially. But that isn’t always the case as damages may cost more than the covered amount.

The Passengers in the Vehicle

Do you use your car to carpool or take your kids on field trips? Do you offer to drive your child’s soccer team to games? If the answers to these questions are yes, then you might want to consider buying more liability insurance coverage.

How and When you Drive

There is an increased risk for vehicular accidents when you spend more time on the road. Even if you consider yourself a good driver, there may be uninsured or underinsured motorists on the road with you. And, of course, there are a lot of bad drivers out there.

With all those things considered, it is important that you shouldn’t compromise the value of your coverage by opting to take the cheapest premium there is. Weigh the benefits against the risks and make sure that you’re getting only the best insurance policy that you need from a reputable insurance company.  Do your research on the insurer first before you buy from them and don’t get easily swayed by misleading ads. Buy from someone you can trust.

Here at American Trust Insurance, we make sure that you have the right coverage for your unique needs. We have a wide selection of insurance companies that offer dependable auto insurance policies. Our competent staff is ready to assist you with your insurance needs, feel free to call us today at (305) 270-2220. Get a free insurance quote here!
5 Comments
Simon Brooks link
1/6/2017 04:19:56 pm

I definitely agree, you really do want to consider the passengers in your vehicle when you are looking at different kinds of auto insurance. The article makes a great point by talking about how you might be transporting a lot of children in your car at any given time. If that is the case then it is important to make sure you have the proper coverage should anything happen while those children are traveling with you.

Reply
Troy Blackburn link
3/23/2017 11:14:46 am

That's a great point you make about how there's an increased risk for vehicular accidents when you spend more time on the road. I've heard that some auto insurance companies will offer discounts for year after year of safe driving and also for sticking with the company for years. I'll have to keep this information in mind as I begin shopping around for good, quality auto insurance that I can rely on if I'm ever involved in an accident.

Reply
Lilia Robberts link
7/3/2018 09:08:23 am

Thank you for sharing that depending on what type of car I drive should help me determine what type of policy I should choose. I just bought a used-car. I love it so much, I just want to make sure I get the right type of coverage.

Reply
Gerty Gift link
1/10/2019 09:37:43 am

Thank you for explaining liability coverage and when you should get more of it. My husband and I carpool our kids a lot with others from the neighborhood, but we never thought about liability coverage before. We'll be sure to look into this more when we get a new, more updated policy.

Reply
Zachary Tomlinson link
9/14/2020 06:57:44 am

My boss told me that he's interested in purchasing a german sports car brand, but he's not sure where the should begin. It made total sense when you mentioned that the make and model of the vehicle make up the importance of buying auto insurance coverage. I'll suggest that he talk to an auto insurance expert for advice.

Reply



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