Auto insurance comes in different bundles with different types of coverage and add-ons. At bolt Insurance, we make sure that you are getting the best package for your situation without adding a bunch of extra coverage that you don’t need that costs you money. As you search for cheap car insurance that still protect your family, we want you to understand the terms and conditions that are involved in each policy.
When should you compare car insurance quotes?
Whenever you have a significant life change, you should reconsider your auto insurance. Some of those include:
- Purchase of a new car
- Move to a new state, city or neighborhood
- Having a child
- Changes from commuting to telecommuting
- Installation of GPS tracking
- Adding safety features to your car
How can you keep your auto insurance costs low?
Second, you can increase your deductibles. This means that if you are in an accident or require repairs, you will pay more up front, but your regular premiums will be lower. Determine how much you can comfortably pay if you do find yourself needing repairs, and change your deductible to reflect that.
Third, check for discounts. Companies offer discounts for things like additional policies, good grades from teenagers and a clean driving record. Don’t forget to ask for any discounts that are applicable to you when you choose a policy.
Fourth, encourage safe driving and take advantage of teen driver discounts if you have a teenager in the house that is on your insurance policy. Typically, it is more expensive to insure a teen because they are most likely to be in an accident that ends in a fatality. Teens can decrease their costs by driving less, improving their grades and taking defensive driving courses.
Do you need additional auto insurance when renting a car?
If your current policy does not have rental car coverage, you have the option to purchase from the rental car company. This coverage is often more expensive, so you may benefit from adding the coverage to your policy if you don’t already have it.
Another way to get rental car insurance is through one of the four major credit card issuers Discover, American Express, MasterCard or Visa. If you decline the rental company’s coverage and pay for the entire rental on your credit card, it may provide insurance coverage if your rental is for personal use, but it is always a good idea to contact the card issuer beforehand.
Are you sure you’re getting the best auto insurance coverage?
- Personal Injury Protection (PIP) or Medical Payments (MedPay)
- Comprehensive and Collision
- Underinsured or Uninsured Motorist
Many consumers pay more for insurance coverage they don’t need because they don’t take the time to shop around and find the best policy for the best price. At bolt Insurance, we make it simple for you to do so. In just 24 hours, we provide you with a free quote and advice about how to lower your quote if necessary. We compare coverage from the top carriers in the nation and ensure that you are adequately covered for the best price. Contact us today to learn more.