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Vehicle owners often go ahead and choose their car insurance coverage without really knowing if they’re getting all the protection they need, and then go on to pay the premium for years without giving it much thought again. This is actually one of the biggest mistakes a driver can make. There are many policy options out there, and it’s recommended that people shop around about once every three years or when major life changes occur to examine changing rates and make adjustments as needed in their coverage limits. K.L. Smith Agency in Willimantic, Connecticut, ensures all of their driving clients have the right kind of car, RV, or motorcycle insurance policy by prompting them to consider the answers to the following questions:

  • How Much Coverage Do You Have? The majority of states have a minimum amount of liability coverage that they require drivers to carry, but it’s generally a good idea to sign up for more than the bare minimum. If a driver were to get in an accident that caused serious property and/or bodily injury, those minimum amounts won’t come close to covering the actual cost of damages. This would leave the driver responsible for paying the rest out of pocket or risk losing assets in a lawsuit.

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  • What Is Your Deductible? Another major decision when it comes to car insurance is deductible. The deductible chosen has a direct effect on the premium payment. Keep in mind that the higher the deductible usually means the lower the premium. However, that deductible amount will need to be paid even when there’s only minor damage.
  • Is A Rental Car Covered?: Most drivers rely on their cars to get to work and everywhere else they need to go, creating a major inconvenience if they are left without one. Being involved in an accident may require a vehicle to be in the shop for an extended period of time while it’s getting fixed. This is where the option of adding rental coverage to a policy really comes in handy, making it so the insured doesn’t have to worry about coming up with extra money unexpectedly.

It’s critical that drivers understand the car insurance policy they’re investing in and put their mind at ease knowing that they have the right coverage. Call K.L. Smith Agency LLC at (860) 423-9294, or visit their website for more information about car, motorcycle, and RV insurance services. 

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