If you are thinking of getting a new car then something you definitely need to think about is which kind of auto insurance you can afford. Of course we would all want to get comprehensive cover, but in some cases this isn’t really possible, so we need to think about getting affordable auto insurance that covers what we need.
Before you ring up an insurance broker you need to think about what you are going to say. For example, how many miles on average do you do a year? Will the car be kept on the road or the garage? You should always tell the truth of course, but it helps to get all the information together first so that you know what you are going to say to make things easier.
Auto insurance doesn’t have to be difficult to get but it quite often is! Hopefully this blog will make it a little bit easier for you.
1. Drive Less for and get a discount
Some carriers will discount your premium with a low-mileage discount if you drive less than 7,500 miles per year. Also ask your agent if you can receive a commuter discount for using public transportation.
Collision Coverage covers damage to your vehicle if your car hits or is hit by another vehicle, less your deductible.