How to Choose the Right Auto Insurance

Categories: Automobile

Knowing how to choose the right auto insurance does not have to be difficult. At Mountainview Insurance, we offer a wide range of different car insurance plans that are ideal for customers throughout the Lower Mainland. Here are some simple tips to help you choose the right auto insurance for your specific needs.

Learn all about the different types of car insurance available.

1. Choose the Best Coverage Over the Lowest Cost

While it can be expensive to buy car insurance, especially when choosing top coverage, focusing on purchasing the cheapest insurance without looking at the larger coverage picture can cause problems down the road. Instead, try establishing a budget before shopping for auto insurance. This will allow you to look for the policy that offers the best coverage within your budget rather than looking for cheap insurance.

2. Save Money Without Sacrificing Coverage

There is a delicate balance between getting the right car insurance and ensuring that your insurance is affordable. Here are some of the things that you can do to help cut costs, while still receiving full coverage:

  • Know about driver discounts – different companies will reward safe driving by providing discounts, lower deductibles, or lower premiums.
  • Bundle your policies – insurance companies often encourage customer loyalty by offering discounts when you purchase multiple policies. Whether it is multiple car insurance policies or an auto insurance policy along with homeowner’s insurance, the savings can be substantial.
  • Buy an older vehicle – new cars have higher insurance rates because the cost of replacing them is much higher. If you choose to buy a car that is two or three years old, you will get to enjoy lower car insurance

Learn why you should bundle your home and auto insurance.

3. Consider Add-On Liability Protection

If your car insurance policy does not include umbrella liability coverage, you might come to find that one accident exceeds the limit of your standard auto liability coverage. It is important to discuss your liability protection need with an insurance agent in order to determine the specific types of add-on protection you might want to consider.

Will the car you drive affect your insurance rate?

4. Decide How Much Risk You Are Willing to Take

When choosing the right auto insurance, it is important to first determine how much risk you are willing to take. The more risk you are willing to take upon yourself, the lower your insurance rates will likely be. Deductibles play a huge part in the risk-based decisions and calculations of car insurance. Raising your deductible can help lower your insurance rates, but it can also cause you more money in the long run, if you have several accidents in a year.

If you would like to learn more about how to choose the right auto insurance, or if you are interested in one of our insurance products, please contact Mountainview Insurance at 604-557-0255 or by requesting a quote on our website.

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