Car insurance is required for every driver. As such, you'll need to purchase a minimum amount of coverage to legally be on the roads. However, there are a lot of choices available, which can make shopping for a comprehensive policy confusing. Fortunately, the professionals at Lafever Insurance Agency in Cookeville, TN, have some suggestions to help make the right choice. Their guide below should make it easier to buy the right coverage for your needs.

What to Look for When Buying Car Insurance

1. Rates

Look for a premium rate that fits your budget. Rates vary by insurer, but they are affected largely by the type of car you drive and your driving history. These rates can be adjusted to some degree by raising the deductible amount and improving your credit score.

2. Coverage

A car insurance policy should provide coverage that meets your specific needs. For example, if your car is brand new, collision and comprehensive coverage are recommended to protect it from losses due to driving accidents, theft, fire, flood, and vandalism. Conversely, if the car is 10 years old or more, you may only wish to purchase enough coverage to keep the car legal on the streets. Lastly, if you have assets to protect, such as real estate, savings, or investments, consider raising the liability coverage amount to better protect against the legal consequences of injuring someone on the road or damaging their property.

3. Discounts

Ask a car insurance agent if you qualify for any discounts. For example, some insurers offer savings for drivers who have driven for three years without receiving a ticket or being involved in a traffic accident. Others offer discounts if the vehicle has safety or theft-deterrent systems. If you're buying young driver insurance, many providers offer a discount to teenagers who maintain a high grade-point average or who make the honor roll.

If you're in the market for affordable car insurance, contact the experts at Lafever Insurance Agency in Cookeville, TN, for assistance. With more than 30 years of experience, they have the knowledge and skills to help each client find a policy with the right premium rate and amount of coverage for their needs. Give them a call today at (931) 526-3377 to speak with a friendly and helpful agent, and visit their website to learn more about what they do.