There is a lot to consider when it comes to buying car insurance, something the experts at James C Whitley Insurance Agency know all about. Having been in business in High Point, NC, for nearly 40 years, they have the expertise you need to protect the people and things that matter to you most.
Read on as these professionals offer five important tips to help you get the right coverage for the right price.
5 Important Tips for Purchasing Car Insurance
1. Ask About Discounts
Always ask your car insurance agent if you qualify for any discounts. You can often save if you have safety or anti-theft features installed on your vehicle. You can also likely earn some discounts if you've completed a driver safety course or if you buy multiple policies from the same company.
2. Consider Optional Coverage
Liability coverage is required in North Carolina, but you should also consider collision and comprehensive coverage to protect your vehicle. Personal injury protection pays for medical costs if you or a passenger is injured, while roadside assistance is invaluable should you find yourself stranded.
3. Think About Liability
You may need more liability coverage than the state minimum requires. If you have assets to protect, such as savings, investments, or real estate, you will want to raise your liability limits so you don't lose it all in a single, catastrophic event.
4. Understand What Factors Affect Your Rate
Your age, sex, marital status, vehicle make, location, and annual mileage all affect the amount you pay for car insurance. Young, single men who live in high crime areas and drive a lot tend to pay the most. Your driving record and credit rating also have considerable impact, so do your best to keep them both clean.
5. Choose the Right Deductible
A deductible is the amount you pay before your car insurance kicks in. You can choose a lower deductible for greater security should an accident occur. But you can also reduce your premiums by electing to pay a higher deductible.
James C Whitley Insurance Agency, the premier broker in the region, has two locations in High Point, NC, for your convenience: one on N. Main Street and one on W. Lexington Avenue. Visit them online to view contact details, or call (336) 841-5300 to request auto, home, life, or business insurance quotes from a friendly, knowledgeable agent.