When it comes to auto insurance, most drivers want reliable coverage without busting their budget on sky-high premiums. Finding the right plan can be overwhelming, but with a bit of homework, it doesn’t have to be. Here are several helpful tips for securing a policy that works for you and your vehicle.

4 Tips for Getting the Right Auto Insurance

1. Consider Vehicle Choice

Insurance providers track accident and claim data on vehicles to help determine premiums. Based on historical research from sources such as the Insurance Institute of Highway Safety (IIHS), certain cars and trucks have a greater propensity for being involved in fender benders. The more accidents and claims, the greater the likelihood of higher premiums. Also, newer cars typically cost more to insure than older ones. As you shop for a vehicle, check the IIHS’ website first to get data on different makes and models.

2. Determine the Right Coverage

Each driver’s needs are different. For those who have vehicles that are financed by a bank or other lender, they are typically required to have comprehensive and collision coverage. This type of auto insurance is a bit higher and must be in place until the vehicle is completely paid off. Other drivers may prefer the minimum coverage required in the state they live. The key is to talk with a professional agent who can provide guidance on a policy that meets your unique driving and financial needs.

3. Seek Discounts

As you search for trusted and affordable auto insurance, go with a carrier that offers discounts. Many provide them for drivers who have clean driving records. Financial incentives are also available for those who have anti-theft and safety equipment on their vehicles. Bundling is another popular discount. This occurs when a customer has other policies with a carrier and takes out auto insurance with them. Be sure to ask the provider about discounts you are eligible for to help lower your premiums.

4. Keep Strong Credit Habits

Auto insurance carriers like to see potential clients who have maintained good credit. This means paying car loans, mortgages and other outstanding debt payments on time. Maintain strong credit habits such as not taking on too many credit cards and paying balances off in full. A person with responsible financial management will likely be eligible for lower insurance premiums.

The unfortunate reality is accidents happen on the road. Without proper auto insurance, you could face paying for expensive repairs and other related claims out of pocket. Don’t take that chance. Let Robert Taylor Insurance in Lorain, OH, help you secure trusted and budget-friendly coverage. The independent agency will do the legwork for you by shopping around for the best rates and terms from the nation’s leading insurance providers. To get started with a no-obligation price quote, call (440) 277-5191 to speak to a friendly and experienced agent. You can also go online for information on the agency’s complete lineup of coverage options, including home insurance.