Finding the right car insurance can seem overwhelming if you don’t know what you need. Every driver is unique, but there are certain things to consider before selecting a policy. The age of your car, where you drive, and other factors will determine your coverage choices. Consider the following before signing on the dotted line. 

What You Need to Consider Before Purchasing Car Insurance

What Insurance You Need 

The different types of car insurance can intimidate many drivers, but it’s important to know the differences. Liability coverage, which is required in most states, covers damages caused to the other driver’s car and any of their medical payments, should you be at fault. Collision damage covers any damage to your car if you’re at fault. If your car is aging and you own it outright, you might decide its value isn’t worth the extra coverage. Underinsured/uninsured coverage provides payment in case the other driver is at fault but doesn’t have an active policy to cover damages. 

Why Your Location Matters

It’s important to understand that your rates are affected by where you live. Coverage in a large urban environment will be more costly than a policy in a small town. Increased traffic and potential for break-ins are more prevalent in a larger city, resulting in more expensive coverage.

How Much Coverage You Need

Most states require that drivers maintain a minimum amount of coverage in order to drive legally within that state. Florida drivers must drive with a policy that covers a minimum of $10,000 liability insurance and $10,000 personal injury protection. However, if you are at fault in an accident, damages can easily exceed minimum amounts. It’s a wise idea to consult a qualified insurance agent regarding the appropriate amount of coverage for your needs. 

Sorting out the car insurance policy that’s best for you can feel overwhelming because you want to be adequately protected while saving money. That’s why it’s important to consult a professional insurance agent before making any final decisions. The qualified team at Farm Bureau Insurance has been providing the community of Blountsville, FL, and the entire Panhandle with quality insurance products for years. They strive to give their clients individualized service and the best rates. Call them today at (850) 674-5471 or visit their website for more information.