Auto insurance provides a blanket of protection over several aspects of your life. In addition to shielding you from liability claims by drivers injured in accidents you may cause, the right policy will also protect your personal property and help cover your medical expenses in certain situations. However, getting the necessary coverage without overpaying can be complex, especially with the broad array of products available. When shopping for car insurance, the following tips will ensure you get the right policy at the lowest rates possible.

A Guide to Shopping for Auto Insurance

1. Minimize Your Risk

Your premiums are based on how likely you are to file a claim, according to the insurer’s calculations. While many factors determining your risk are outside your control, you may be able to reduce premiums by taking a safe driving course, keeping your vehicle in a garage, and purchasing a car with advanced safety features and a higher crash rating.

2. Shop Multiple Providers

Before choosing an auto insurance policy, request quotes from several carriers and be sure to ask about discounts. For instance, many insurers offer lower rates to those who purchase multiple policies, so bundling your home and auto policies together could save you hundreds of dollars per year.

3. Consider the Carrier’s Reputation

Price shouldn’t be the only factor when choosing an auto insurance policy. Before selecting coverage, check the insurer’s ratings to ensure they provide the level of service you’ll need if you’re involved in an accident. Do they pay claims quickly? Is their claims process easy to navigate? If you’ve been injured or suffered property damage, these factors can have a significant impact on your long-term satisfaction.

4. Work With a Qualified Insurance Agent

Online tools may be more available and easier to use than ever, but they’re generally unable to tailor a policy to your specific needs. An independent insurance agent who works with multiple carriers can provide side-by-side comparisons and help you select the most affordable policy without compromising on vital coverage.

For over a quarter century, drivers throughout Concord, NC, have relied on A Better Choice Insurance Agency Inc for expert guidance and affordable rates. As independent agents, they maintain relationships with some of the nation’s leading auto insurance providers, giving them an extensive array of products to choose from. To begin the process and request a quote, call (704) 782-2073 or visit them online, and follow their Facebook for updates.