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.
16 Comments
7/15/2021 06:46:46 am
It's been a long time since I got a ticket but I don't know how many I have. I'll be sure to check with the DMV before I get insurance. Depending on my tickets, I could end up paying a ton for insurance. 7/26/2021 10:03:46 am
I like that you mentioned thinking about your driving habits when looking for insurance. My wife drives a ton for her work and so we will need to take that into consideration when getting her car insured. Thank you for the tips on finding good car insurance. 7/27/2021 06:45:36 pm
I do agree that it is important for us to choose the right auto insurance for our car. One of the best ways for us to do so is by evaluating the panels, by looking at the reviews and ratings to determine how they fair. Since I am looking to have an auto insurance applied, I will definitely look into the panels. Thanks for pointing out that we should choose an insurance company that is financially sound before buying from them. I will share this tip with my best friend since she will be buying her own car this year after saving up for it two years ago. This will help her pick a trustworthy and reputable company that will cover her needs when the time comes. 9/21/2021 01:24:26 pm
My brother bought a new car and needs to get insurance for it. Your suggestion to check reviews about potential insurance companies is very smart. I will definitely have my brother do just that. 9/29/2021 12:07:28 pm
It's good to know that you should look at your driving record. My cousin is needing to get auto insurance. I'll make sure to pass these tips along to him as he searches for an insurance provider. 10/6/2021 11:45:34 am
I liked how you recommended being patient with your quotes. I think making an informed decision can take some time. My husband and I are looking to get auto insurance and I think, while it will be hard to wait, we would rather have all the information before we decide than go with the first great quote. 10/14/2021 10:45:48 pm
Thanks for pointing out that it would be best to have a clear record so we can get better quotes for auto insurance. With that in mind, I might get a good quote since I haven't been in an accident ever since I started driving the car of my dad which I have been borrowing. Now, that I plan to get my own car, I will be able to get a good rate due to my clean record. 10/19/2021 08:13:31 am
Thank you fore explaining that your driving record can affect your insurance. My friend has been wondering about getting some different coverage. It seems like having a clean record could help to keep coverage low. 10/28/2021 06:57:56 am
I will make sure to get competitive quotes. I want to make sure I get the best deal. That could mean visiting a ton of agencies but it will be worth it. 10/29/2021 08:10:01 pm
It helped when you mentioned that it is important to figure out how much you need in terms of coverage. My uncle mentioned to me last night that he is planning to have auto insurance for his new vehicle and asked if I have any idea what is the best option to consider. Thanks to this informative article and I'll be sure to tell him that it will be much better if he consults a trusted auto insurance company as they can answer all his inquiries and will provide the service he needs. 11/9/2021 06:24:38 am
I'm getting a new car for my son, but I want to make sure that I organize everything properly. It makes sense that I would want to get a car insurance plan for him. That's definitely something worth looking into for me. 1/27/2022 09:55:16 am
Thank you for your advice to check your existing auto insurance policy and take note of its coverage and premium cost so that you can find competitive quotes from other companies. My husband and I are thinking that it might be time to find some better auto insurance for our cars. We'll be sure to keep this in mind and see if it helps us to see if there are any better prices around. 5/4/2022 07:55:09 pm
It helped when you shared your state's policies when it comes to auto insurance must be considered when picking a type of coverage. My brother should know this since he's planning to get auto insurance. I'll advise him to get coverage that fits his lifestyle the most. 5/5/2022 10:49:34 pm
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