Though it may not always feel like it, securing auto insurance that provides much-needed protection without busting your budget is possible. The key is to be proactive first to help avoid costly mistakes later. Here are several tips to keep in mind as you search for your customized coverage.

4 Errors Most Drivers Make When Buying Auto Insurance

1. Not Comparing Rates

It may be tempting to go with the first quote provided, but you could miss out on better deals by not comparing the rates of several providers. Take the time to size up price and coverage details from a handful of carriers. This way, you’ll know whether you’re getting the best bang for your budget.

2. Buying Minimum Coverage

Most states require drivers to have at least liability auto insurance. This is coverage that pays for vehicle damage and physical injuries for others involved in a car accident caused by you. However, the insurance doesn’t cover you or your vehicle, and it may not be enough to pay for the full price of damages and medical expenses. Strongly consider adding coverage that protects your financial interests, too. 

3. Failing to Ask About Discounts

While some providers will gladly tell you which discounts you could be eligible for, others may not. These incentives can help reduce your premium payments. Be sure to ask your carrier about all of the available perks, including those for anti-theft devices and having a good driving record. 

4. Neglecting to Include Updates

Marriage, divorce, and other life events may have an impact on your auto insurance coverage. Changes to your status may reduce your premiums or alter what type of protection is needed. Let your insurance provider know about events such as a teen who is now driving or when you’ve purchased a new or older model car. 

Aaron Insurance Agency in Dothan, AL, specializes in helping individuals secure affordable coverage that fits their unique driving needs. For nearly 20 years, the independent firm has offered personalized assistance to clients by providing auto insurance options from several leading carriers. If you’re in the market for a new policy, call (334) 712-0777 or go online for a free, no-obligation quote.