Shopping for car insurance is a delicate balancing act. While you’ll need enough coverage to protect yourself, your family, and your vehicle, no one wants to pay more than they have to. Below are a few do’s and don’ts that will simplify the process, ensure you get the coverage you need, and help you save money in the long run.

Do:

Shop Around for Quotes

Each car insurance company uses different formulas to calculate risk, so you might find dramatic price differences between carriers. Shopping around before choosing a policy is the best way to ensure that you get the best rate available, along with all the discounts you qualify for.

Consider Bundling Your Policies

Many of the leading insurers offer substantial discounts to customers who purchase multiple policies. When shopping for quotes, ask how much the premiums would be if you also transferred over your homeowners or renters insurance.

Don’t:

Go With the Bare Minimum

Auto accidents can be extremely expensive, especially if someone is seriously injured or killed. The liability insurance minimums established by state law may not be enough to cover all these damages, so consider purchasing additional coverage. To protect you from lawsuits related to an accident you caused, many experts recommend buying liability coverage at least equal to the value of all your other assets.

Use Online Quote Generators

Modern technology makes shopping for car insurance seem easier than ever, but are the policies recommended by online quote generators really the best for you? A skilled insurance agent will take the time to understand your situation, identify the coverage options best suited for your needs, and find ways to save money without sacrificing coverage.

As a member of the State Farm® family, David R Johnson Insurance offers high-quality policies from one of the largest carriers in the nation. Their team has nearly 30 years’ experience helping drivers throughout Beech Grove, IN, protect themselves from the unexpected and manage the risks of everyday life. Get more professional insurance tips on Facebook, and call (317) 782-8858 or visit their website to request your free car insurance quote today.