The right car insurance policy is more than just a legal requirement to let you on the road—it’s also a smart investment in your vehicle and safety. However, finding the best coverage for your needs is a challenge and, with so many providers, sorting through quotes can quickly become overwhelming. To get you started, here’s some helpful advice on what you should and shouldn’t do when shopping around.

Do:

Consider How Your Needs Have Changed.

Your insurance requirements can change over the years. When comparing quotes, think about your driving habits, the age of your vehicle, and what types of coverage you need to protect it. Sometimes you can save money by purchasing less extensive coverage. However, if you just bought a new car, your existing policy may not be enough to cover the cost of repairs if you file a claim.

Ask About Discounts.

Most insurance providers offer discounts on coverage, but they will not advertise them. When shopping for a new policy, ask each agent about any specials you may be eligible for. This will give you a better idea of the value of each plan, so you can choose the right one for your needs.

Contact Multiple Providers.

Though it may be tempting to purchase the first affordable policy, it’s best to compare your options. Get quotes from multiple providers and see how they differ. Even two plans that cost the same each month may offer different types of coverage.

Don’t:

Settle for Minimum Coverage.

Though you’re only required to purchase the state’s minimum car insurance coverage, it’s not the best option. Doing so often leaves you with thousands in out-of-pocket expenses when you’re involved in an accident. Purchase additional protection for worst-case scenarios.

Let Yourself Be Oversold.

When shopping for quotes, focus on the facts. Unnecessary coverage only adds to the cost of your monthly premium without passing along any additional benefits. A good agent will ask about your needs and lifestyle and offer tailored and customized options.

Looking for affordable car insurance? Contact Hummel Insurance Services in Oakland, IA. Their experienced agents have been serving the community since 1944. They offer quality advice and guidance and will help you find a policy that best suits your needs and budget. Learn more about their coverage areas online and call (712) 482-6424 to schedule an appointment or get a free quote today.