Questions to Ask Before Buying Car Insurance

Categories: Automobile

Whether you commute for work or drive your vehicle around town for errands, you need the right car insurance policy to ensure that you and other drivers are protected. When comparing various car insurance policies, the process can become overwhelming and confusing due to the number of options available. As leading providers of car insurance policies and other insurance solutions, the team at Mountainview Insurance knows that it can be difficult to determine the right policy for your needs. That is why our team has compiled a list of important questions to ask before buying car insurance to ensure that you are getting the best possible coverage.

Get to know the different types of car insurance.

5 Important Questions to Ask When Buying Car Insurance

Asking the following questions can help you determine the best policy for your needs:

1. What Distance do you Drive Every Day?

In BC, your insurance premiums will increase if you drive beyond a certain distance per day. Be sure to note the distance between your home and your workplace, as this information will be needed to determine the right plan for your needs. If this distance is greater than 15km, you will likely need to pay for a more expensive policy as you will be at a higher risk for an accident.

2. Will you be Using Your Vehicle for Work?

If you are a delivery driver, ride-share provider, or a courier that uses your personal vehicle for work, you will need to purchase a plan that covers this type of usage.

3. What Type of Car do you Drive?

The type of car you drive will drastically impact your insurance costs. For example, a 2021 luxury vehicle will cost more to insure than a late 90’s economy vehicle. Other factors that affect policy prices include safety features, potential bodywork costs, and the risk of theft.

Find out more about whether or not the car you drive affects your insurance rate.

4. Who Will be Driving Your Car?

If an individual other than yourself will be driving the car at any point, they will need to be included on your policy to ensure that they are covered. Their inclusion on your policy may affect the total price depending on their driving record.

5. What are Your Minimum Coverage Requirements?

Every area has certain minimum coverage requirements that must be met. Though it typically does not cost much to meet these requirements, you may be sued for a large sum if you are involved in a serious accident. Be sure to weigh the bare minimum requirements against the amount of coverage you need to protect yourself.

Learn how to choose the right auto insurance for your vehicle.

To learn more about car insurance plans and for assistance choosing the best options for your needs, get in touch with the team at Mountainview Insurance. We can be reached through our online contact form and will be happy to answer any questions you may have.