Before you can take your car out on the road, you must ensure that it is properly insured. In particular, you need to have the right coverage in place to protect yourself from legal and financial liabilities in case you get into a wreck.
To ensure that you get the right coverage for your car, you need to know what to look for in a comprehensive policy. These factors are some to keep in mind when you shop for new auto insurance.
The primary factor that you need to keep in mind involves what kind of coverage you really need for your car. You have the choice of buying either liability only or full coverage auto insurance. The type of coverage should reflect the value of your car, whether or not you have a lien on your vehicle, and your prior driving record.
If you have a lien on your vehicle, for example, you may be required to keep full coverage on it. The full coverage protects the lienholder's stake in the vehicle and ensures that it can get its money if you get in a wreck and total the car.
Likewise, if you have multiple DUIs on your driving record, you may be required to keep full coverage. This auto insurance policy covers comprehensive losses that victims may incur if you get into another DUI-related wreck.
However, if your car is old and not worth much value, you may decide to use liability-only coverage. You can also use liability-only auto insurance if you have no lien on your car and own your vehicle outright.
Another factor to keep in mind when you shop for new auto insurance is what kinds of amenities that you want to go along with it. When you buy full coverage insurance, you can get amenities like free roadside assistance and vehicle rental reimbursement. You can also get hotel discounts and discounts on dry cleaning services with some full coverage auto insurance policies. These amenities are offered as a reward for investing in a full coverage and for maintaining an active policy with the insurer.
These factors are a few to keep in mind when you look for new auto insurance for your vehicle. You must decide between liability-only coverage or a full coverage policy. You also can decide what, if any, amenities like roadside assistance that you want with your policy.