Many car insurance companies offer a variety of coverage options, so it can be difficult to decide which one is best for you and your car. In this blog post, we will discuss the different things to look for when shopping for car insurance. We’ll cover both auto insurance basics and more in-depth topics such as deductibles, coverage limits, discounts, and more!
Compare rates from at least three different insurance companies
It is important to compare car insurance rates from at least three different companies before deciding. To do this, you will need your car’s VIN number and the year it was manufactured. A car’s make and model can change how much coverage costs, so don’t just shop for car insurance based on price as car rental, car replacement, and medical
Consider the coverage you need
Car rental – if your car is in the shop for repairs due to an accident or other unforeseen event. This will not cover any associated costs with a car loan or lease payments that are late. You may also want this option if it takes longer than a car’s warranty for repair work.
Car replacement – if your car is totaled in an accident, or if it was stolen and not recovered. This will cover the cost of a new car like yours based on Kelley Blue Book Value. You can also purchase this coverage with less than total loss where the car might be worth less than car replacement cost.
Medical – if the accident is your fault, or if you were not at fault and another driver was found liable for damages to your car. This will cover medical expenses from injuries that may have occurred in a car accident as well as treatment of physical damage caused by an accident. You can also purchase this coverage with less than total loss.
Towing and labor – may be required after automobile accidents, engine failure or breakdowns from natural disasters such as floods, hurricanes, or earthquakes. This covers towing fees to a car repair shop in case the car cannot drive on its own.”
Consider the coverage you need, such as liability, collision, or comprehensive coverage
Liability – covers the car and its passengers against damages to property and other people in case of an accident caused by you. This does not cover car repairs, medical expenses, or damage to your car if it’s declared a total loss.
Collision – will pay for car repairs after accidents with another vehicle; comprehensive may also cover car damages from things other than car accidents, such as theft or vandalism.
Comprehensive – covers car repair after any kind of damage not caused by a car accident (such as fire, hailstorm). It does cover auto repairs but not medical expenses and loss of use.”
Get quotes from both local and national companies
Ask for an automobile insurance quote from your current provider. They can tell you what discounts they have available and whether any other providers offer better prices.
Compare rates online at sites like Oyer, Macoviak and Associates, Geico, State Farm, Progressive Insurance, Liberty Mutual and more to see which company offers the best auto insurance coverage for the lowest price.
If you would to like to discuss your options for car insurance please call us at 561-732-9305 our quoting hours are Monday through Friday from 8:30 AM to 5:00 PM. In addition, you can request a quote online. Please remember, We Handle All the Work, While You Save!
Robert Macoviak is the President of Oyer, Macoviak and Associates. Oyer, Macoviak and Associates is the oldest independent insurance agency in Boynton Beach and has been in business since 1953. Oyer, Macoviak and Associates are vested members of the community who are committed to doing business face-to-face and being your insurance advocate in times of need.