Shopping for car insurance can seem daunting. With so many options to consider, it’s hard to find the balance between having enough coverage and maintaining an affordable monthly premium. However, by identifying and avoiding some simple mistakes, explored in the guide below, you can find the policy to best suit your needs.

What to Avoid When Looking for Car Insurance

1. Not Knowing Your Coverage Options

There are many components to auto insurance. Most states require you to have at least some degree of property damage liability coverage, which pays for any harm you might cause another person’s car, as well as bodily injury liability, which would go toward their medical expenses. However, the state minimums can be much lower than the costs of an actual crash, meaning you would have to pay the rest out of pocket. In addition to looking at these numbers to see if the coverage provided is sufficient, talk to your agent about personal injury protection, which helps pay for medical costs in no-fault accidents, and uninsured motorist protection. 

2. Overlooking Individual Needs

Standard, out-of-the-box policies aren’t always the best fit for every driver. Some drivers could benefit from rental reimbursement, emergency roadside assistance, and gap insurance for leased vehicles. Be sure to ask about policy add-ons that might be of value to you.

3. Focusing Only on Price

While price should be a factor you consider when selecting an insurance provider, don’t forget to assess other key qualities, like company reputation. When you need to make a claim or speak with a representative, high-quality customer service can make your experience much better.

4. Forgetting Discounts

Many car insurance providers offer discounts for a broad range of factors. Even if you aren’t eligible for good driver or low mileage discounts, you may still be able to save money by paying your premium in full, instead of monthly, or opting for online bill pay.

If you want to get the best deal on car insurance, turn to Kirk Insurance Agency in Hansford County, TX. This family-owned agency has been serving locals since 1978, assessing each individual’s unique needs and offering coverage to safeguard their assets at competitive prices. Explore their full range of insurance options, including home, umbrella, and commercial insurance online, or call (806) 659-2794 to speak with a helpful associate.