Choosing your auto insurance can be a bit of a headache. And it’s certainly not easy to understand everything that goes into a policy. Here are some auto insurance tips so you don’t regret the choices you make:
- Get uninsured motorist coverage
Even though, legally, everyone must have car insurance, some drivers still don’t. At least 16%, according to the Insurance Research Council. You have to spend more for uninsured motorist coverage, but it’s worth it because it protects you and your family when an accident happens with a negligent driver who is uninsured.
- Raise your deductible
Raising your deductible will actually save you money. A $1,000 deductible will give you “full glass” coverage, and it’s cheaper to fix small things than a lower comprehensive deductible.
- Find obscure discounts
You can get certain discounts for things like your age, if you take a defensive driving course, or other factors. You might also get discounts through your employment.
- Avoid limited tort insurance
This is cheaper overall, but gives you less coverage. Even if the other driver in an accident is at fault, you usually can’t collect any payment for your “pain and suffering.”