Before committing to a car insurance company, BestRate Auto Insurance in Statesboro, GA, recommends scheduling meetings with a few prospective providers. As you’re preparing for these initial consultations, research average premiums, familiarize yourself with different coverage plans and request written quotes from representatives. This will enable you to choose the best company for your budget and needs.

 If you’re not sure how to shop around for car insurance, check out the following questions that you should pose to any provider:

• What Type of Coverage Do I Need? Depending on your experience, driving history and budget, you will want to consider the type of coverage that you purchase before signing up. Collision insurance covers repairs on your automobile regardless of whose fault the accident was. Comprehensive insurance pays for non-collision-based repairs, like fire and vandalism.
• What Is My Deductible? After you select a few different coverage plans to choose from, make sure to ask your insurance company exactly how much you’ll have to pay before repairs are made. The lower your deductible, the higher your premium will be.
• What Is the Value of My Car? The make and model of your vehicle will greatly determine the cost of your monthly premium. Sports cars, for example, have higher premiums than sedans. Insurance companies use the current condition and value to determine this price.
• Will You Pay for Manufacturer Parts? When repairs are made, your insurance provider will either pay for original equipment manufacturer (OEM) parts or aftermarket parts. Find out what your plan will cover, as this will affect the lifetime and value of your automobile once fixed.