Auto insurance is like any other consumer product in that there are lots of options to choose from. Although variety allows for competitive rates, it makes picking the right policy challenging. Thankfully, you can ensure you end up with adequate coverage merely by avoiding the following mistakes. 

3 Mistakes People Often Make When Buying Auto Insurance 

1. Underestimating Your Needs

In West Virginia, motorists must purchase a minimum of $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage coverage per accident. These minimums, however, may not cover all your needs. Considering how expensive a car crash may be, it may be smart to purchase as much coverage above these minimums as you can reasonably afford to protect your financial security in the event of a disastrous collision.  

2. Failing to Shop Around

Although all insurers evaluate the same basic factors when calculating premiums, the total cost of coverage may vary significantly from company to company. As such, shopping around is essential. Comparing three or four quotes could end up saving you hundreds of dollars a year. If you don't have time to shop around, a reputable independent insurance agent will be happy to do so for you.

3. Overlooking the Nonessentials

Despite the state’s insurance requirements, not all drivers are insured. As such, you should consider purchasing a policy that also protects you from accidents involving uninsured or underinsured motorists. You may also want a policy with comprehensive coverage, especially if your vehicle is financed. Comprehensive insurance will cover your losses if your car is stolen or damaged by non-collision-related incidents, including flood, hail, vandalism, fire, or falling objects.

If you need auto insurance, turn to Allegheny Insurance Services for help finding the perfect policy. Located in Elkins, WV, this independent agency works with a variety of providers, which allows them to offer comprehensive, flexible, and affordable policies. Founded more than a century ago, they serve thousands of clients across West Virginia, Kentucky, Maryland, Virginia, and Pennsylvania today. To request a quote, call (304) 636-1680, or visit their website to learn more about auto insurance.