Searching for affordable and reliable auto insurance can be a daunting task. With the abundance of information available, some shoppers may get tripped up by misleading details and exaggerations. Mountcastle Insurance in Winston-Salem and Lexington, NC believes educated make for satisfied customers, so they’ve shared some common auto insurance mistakes and how to avoid them.

Many drivers aren’t aware they are eligible for numerous discounts from their auto insurance providers. Examples include rewards for safe drivers and reduced rates through organizations you belong to, such as AAA. Be sure to ask your carrier what deductions you're eligible to receive. This is especially true if you've had a change in driving habits, such as adding an anti-theft system or taking a defensive driving course.

It may require a bit more research, but comparing auto insurance quotes is worth the time and effort. You want to ensure you get the most comprehensive coverage for your budget. Compare rates and policy features from at least three insurance providers. If you're thinking about switching before your renewal date, don't cancel your existing policy before securing one with another carrier.

Insurers offer several types of coverage levels. Those who are financing a vehicle from a bank or other lender may be required to purchase more coverage than those who've paid in full for their cars. While it may be cheaper to secure the minimum coverage your state or lender requires, you may not be fully covered should you have an accident or theft. Discuss with an experienced agent to determine what type of coverage is best and what the policy covers. This way, you’ll know what to expect should you ever need to file a claim.

 

Doing your homework will ensure you pay a fair rate for an appropriate amount of auto insurance. Let the team at Mountcastle Insurance assist with your decision. The agents have the experience and knowledge to help you secure customized coverage designed for your unique driving needs. To get started with a free, no-obligation rate quote, call (336) 777-8500 in Winston-Salem or (336) 249-4951 in Lexington. Visit the website for information on partnerships the agency has with some of the nation's leading insurance providers.