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If you recently found out your auto insurance doesn’t offer enough or the right amount of coverage after an accident, you may be facing the overwhelming process of shopping around. You need to make sure your next policy provides adequate coverage for your car while still fitting to your budget and lifestyle. Here are a few ways to secure a good plan from a reliable provider.

A Guide to Securing Auto Insurance

1. Recommendations & Reviews

Family and friends may have an insurance agent they love, but be sure to ask if they’ve ever filed a claim. Many people rate their providers highly until they experience an accident. Did they receive helpful customer service and adequate coverage? You can also read online reviews for different providers to get insight into the types of plans offered and the quality of service.

2. Minimum Requirements

Check your state’s buyer’s guides. They explain the legally required minimum auto insurance coverage, factors used to determine your rates, and the difference between collision and comprehensive coverage. With this information, you’ll know what you can expect and what you need before you request a quote.​​​​​​​

3. Quotes

auto insurance When you’re ready to start comparing quotes, make sure the plans you’re evaluating are similar. It doesn’t make sense to assess the costs of policies with vastly different limits and add-ons. If you’re debating between a low- and high-deductible option, ask each company for two quotes so you can properly compare them. 

​​​​​​​4. Provider

Rather than trying to find the company with the lowest rates, look for providers that offer the levels of coverage you need with monthly premiums you can afford. Don’t ignore customer service, either. The better an insurance company treats you up front, the more likely they are to treat you well during a claim.

5. Options

After you’ve selected a provider, your insurance agent will review additional coverage options with you. It’s important to consider your financial situation, driving habits, and other factors before choosing the product. Some, like liability and rental coverage, can provide a lot of value, whereas extended warranty options may not. 

 

If you need auto insurance, turn to Tim Bryan Insurance in Andalusia, AL. As an experienced agent, he’ll review all your options to find the policy that best meets your needs. He also offers home, business, health, and life insurance through State Farm. Call (334) 222-1460 to schedule an appointment to discuss his full range of products and get a quote.

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