When you’re shopping for a new auto insurance policy, you’ll need to decide on the type of coverage you want. However, picking the perfect coverage amount can be tough, especially if you’ve had the same policy for many years. At Sun Valley Insurance in Indian Trail, NC, their experienced agents can help you better understand your options. Here are a few things you should consider when exploring your coverage options:

• Habits & Driving Record: If you use your car to commute just a few miles from your house, you may want to consider a lower-coverage policy. After all, short commutes make your risk of accidents much lower than those commuting across town or driving on the highway. However, if you have a long commute through rush hour traffic or have been involved in numerous accidents in the past, a lower deductible high-coverage policy may be best.
• Where You Live: If you park on the street or have noticed a string of vehicle damage in your neighborhood, you may want to purchase a more comprehensive auto insurance policy. This will help reduce your out-of-pocket expenses should you need to file a claim for damages. However, if you keep your car in a covered and secured garage, you may want to save money on your monthly premiums with a higher deductible or a less comprehensive policy.
• How Much You Can Reasonably Afford: High monthly premiums often mean lower deductibles should you file a claim. Lower monthly premiums may save you on your insurance costs each month, but the amount you pay out-of-pocket for repairs is high. Before deciding on your auto insurance policy, you’ll need to decide how much you can reasonably afford for repairs.

If you’re shopping for auto insurance, contact the experienced agents at Sun Valley Insurance. As Indian Trail’s trusted insurance company, their agents will help you find the perfect policy for your needs. Visit their website for more information and call (704) 282-1155 to schedule an appointment today.