An auto insurance policy is designed to offer financial protections and peace of mind in the event of an accident. But if you choose the wrong plan, you may face problems in the future. The key to selecting the best coverage arrangement comes down to matching it to your unique needs. To determine which option is right for you, consider the following three factors during your policy hunt.

How to Determine the Right Car Insurance Policy for You

1. Coverage

There are a variety of coverage styles available with auto insurance, beginning with liability. This is typically a state requirement that does not protect you, your vehicle, or your passengers in the event of an accident. But when combined with collision and comprehensive protection, it's referred to as a "full coverage" policy. However, every aspect of a policy is associated with monetary limits, and if you have a car loan, the lender might require a policy with full coverage. Before selecting a policy, review all of the coverage limits to ensure that they meet your needs.

2. Deductible

The deductible is the policy owner's portion of repairs following a collision or other approved claim. For auto policies, the amount usually ranges from $250 to $1,000. Higher deductibles result in a lower premium. While reduced monthly costs are tempting, you don't want to face a financial burden in the aftermath of an accident. As such, be sure to choose a deductible that you can feasibly pay out of pocket at any given moment.

3. Discount

Many insurance companies offer discounts in a variety of categories. Some of the most common include a spotless driving history, passing a defensive driving course, and bundling multiple policies. When you're looking for a new coverage plan, be vocal about your circumstances with your insurance agent. They'll utilize the information you provide to find providers with applicable discount options.

Spare yourself the stress and frustrations of an inadequate policy by finding quality auto insurance coverage through Blocker Insurance Agency. Since 2008, the independent agency has proudly served the greater White County, GA, area. From commercial to homeowners insurance, the team offers a full spectrum of solutions to ensure your property is adequately protected. Browse their wide selection of coverage options on their website, or speak with a knowledgeable insurance agent today at (706) 865-1072.