Leigh Insurance Agency of St Augustine Blog
Every car owner's goal is to have adequate coverage for his car in case of an accident. However, although you want your coverage to be enough, you wouldn't want to pay more than you have to. Some people spend too much on car insurance. So, here's a list of five steps you should take if you don't want to pay more.
Know Your Coverage
Begin by figuring out how much you need in terms of coverage. All car owners know how much their car is worth, including the individual parts. If you're not sure of your estimate, then get a friend who's a car expert. Take time to find out your state's requirements when it comes to auto insurance coverage. After this, consider your driving habits and the circumstances where you drive. The age of your car also matters.
Review Your Insurer’s Proposal
After you’ve made your decision and you’ve received your insurer’s proposal, you should read through it. Take note of your coverage and how much you need to pay for it monthly. Take note of the monthly and yearly costs. That should serve as the figure you have to beat.
Check Your Driving Record
Know how many tickets you've had in the past. If you can't remember, you can check with the department of motor vehicles in your state. You may wait before those tickets or points disappear before you could improve your driving record. In that case, you can get better quotes.
Solicit Competitive Quotes
If you have an existing auto insurance policy, review it. Take note of its coverage and premium cost. Keep these figures in mind while you get competitive quotes from other companies. Be patient, and don't just purchase the first offer that you receive.
Assess the Insurance Company
This is just as simple as having to Google its name. Make sure that this potential insurer is financially sound. Check out which ones are paying and which ones are receiving too many complaints. Ask people who have been with this particular company, and make your decision. Seek independent online and offline reviews and don’t trust advertisements right away.
Some Final Words
Before you sign up on your desired auto insurance policy, make sure that you've taken care of all the details. Review the final policy that you're about to sign and check out the coverage and the premium. Get a good auto insurance policy for your car now, and you'll have peace of mind.
At Leigh Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (904) 826-0799. Get your free quote today by CLICKING HERE.