Owning a car is expensive. Cars require gas, maintenance, repairs, and insurance, and those needs are non-negotiable. Choosing the right Auto Insurance Policy in Fort Myers can help drivers save some money, but they should be careful not to sacrifice quality for a lower cost.
Don’t just choose the policy with the lowest monthly rate. Instead, check out the following tips for choosing auto insurance to get the best coverage for the lowest price.
Determine Coverage Needs
Basic auto insurance coverage typically includes only liability insurance. Each state also places minimum insurance requirements on its drivers. In Florida, all drivers need is $10,000 worth of property damage coverage and $10,000 of personal injury protection to pay for medical bills and lost wages. Those are minimum coverage requirements, though, and most drivers feel safer with comprehensive coverage that covers damage to their cars in the event of a collision.
Choose a Deductible
A deductible is the amount of money that a driver will pay out of pocket before his or her insurance policy kicks in to pay the rest. Policies with higher deductibles cost less, but they also leave drivers responsible for paying out small amounts of damages out of pocket. Those who don’t drive often or are exceptionally confident in their driving skills can save a little money by choosing a policy with a higher deductible.
Ask About Discounts
Some insurance companies offer discounts for things like safe driving history, installing security and safety systems, and proving membership in certain associations. Most also bundle insurance policies for their customers so it’s often cheaper to take out an Auto Insurance Policy in Fort Myers through the same company that insures drivers homes or businesses.
Factors that Influence Insurance Rates
Drivers who have good credit and clean driving records pay less for insurance. Age, the car being insured, and how many drivers will be covered by the policy can all impact rates, as well. The best thing to do is to call a few insurance companies and ask for Auto & Home Insurance Quotes so that drivers can compare their options to ensure that they’re getting the best service and the best rates.