Finding the right car insurance isn’t always easy. First, you have to figure out what’s most important to you. Is it the lowest possible rate? The best customer service? The ease of use; does it have an app? Does it cover what you need? Is it even available in your area? Once you know the answers to these questions, the Folsom Auto Mall has tips to make finding the right car insurance easier.
Do your research. There are hundreds of car insurance companies available. Search online and start by reading reviews. Are customers happy with their service? Do they have any common complaints? Check trusted sources. Do they have a Better Business Bureau rating? You can also check Consumer Reports and JD Power for unbiased reviews and ratings.
Next, figure out how much coverage you need and if you qualify for any discounts. Different kinds of automotive insurance coverage can include: Liability insurance (bodily injury and property damage), uninsured motorist coverage, collision and comprehensive insurance, personal injury protection, medical payments (MedPay) coverage and additional coverage like gap insurance, rental reimbursement and roadside assistance.
Depending on where you live, you might require specific coverage. Certain states require uninsured motorist covered, personal injury protection coverage and/or medical payments coverage. As of this writing, in California, the Minimum Liability Insurance Requirements for Private Passenger Vehicles include $15,000 for bodily injury (BI) to one person, $30,000 for bodily injury (BI) to more than one person and $5000 for damage to property (PD).
Comprehensive and collision insurance is available which covers repairs to your own vehicle if it’s damaged in an accident. It also covers other damage like vandalism, theft or storm damage. If you’re leasing your vehicle, this coverage is likely required.
Once you determine how much coverage you need, compare quotes from multiple companies. Make sure you’re comparing apples to apples - with regard to exact coverage amounts and which specific protections you’ve chosen. You can also try using an online insurance coverage calculator to make sure the estimates you get are reasonable and in line with what other people are paying. It’s also a good idea to shop around for a new policy if you’re adding a new driver, you’ve been driving more safely or you - or another driver on your policy - recently turned 25.
Good luck finding your perfect car insurance. And if you need help finding your perfect CAR, shop the Folsom Auto Mall!
Do your research. There are hundreds of car insurance companies available. Search online and start by reading reviews. Are customers happy with their service? Do they have any common complaints? Check trusted sources. Do they have a Better Business Bureau rating? You can also check Consumer Reports and JD Power for unbiased reviews and ratings.
Next, figure out how much coverage you need and if you qualify for any discounts. Different kinds of automotive insurance coverage can include: Liability insurance (bodily injury and property damage), uninsured motorist coverage, collision and comprehensive insurance, personal injury protection, medical payments (MedPay) coverage and additional coverage like gap insurance, rental reimbursement and roadside assistance.
Depending on where you live, you might require specific coverage. Certain states require uninsured motorist covered, personal injury protection coverage and/or medical payments coverage. As of this writing, in California, the Minimum Liability Insurance Requirements for Private Passenger Vehicles include $15,000 for bodily injury (BI) to one person, $30,000 for bodily injury (BI) to more than one person and $5000 for damage to property (PD).
Comprehensive and collision insurance is available which covers repairs to your own vehicle if it’s damaged in an accident. It also covers other damage like vandalism, theft or storm damage. If you’re leasing your vehicle, this coverage is likely required.
Once you determine how much coverage you need, compare quotes from multiple companies. Make sure you’re comparing apples to apples - with regard to exact coverage amounts and which specific protections you’ve chosen. You can also try using an online insurance coverage calculator to make sure the estimates you get are reasonable and in line with what other people are paying. It’s also a good idea to shop around for a new policy if you’re adding a new driver, you’ve been driving more safely or you - or another driver on your policy - recently turned 25.
Good luck finding your perfect car insurance. And if you need help finding your perfect CAR, shop the Folsom Auto Mall!