If you drive a vehicle, you need to make sure you have appropriate insurance coverage. However, no two policies are identical. With more than 16,000 crashes occurring every day in the U.S., having the right insurance policy will ensure you can access the help you need if you’re involved in a collision.
Before buying your next car insurance policy, remember to make the following checks so you can get the most suitable cover for your needs:
1. Mileage Limitations
Many insurance companies include mileage limitation clauses in their policies, so be sure to check whether these will apply to you. If you plan on taking lots of long journeys throughout the year, you don’t want to find out that your insurance doesn’t cover your expected mileage. On the other hand, if you don’t use your car often, voluntarily reducing your mileage limit could bring down your premium cost.
2. Number of Successful Pay-outs
If you need to file a claim on your car insurance, you don’t want to wait weeks or months for your request to be processed. Worse still, you don’t want to have to battle with your insurance company to prove that you’re covered. Before buying a policy, find out what percentage of claims the company pays out for and how long, on average, it takes for them to do so. Sometimes, convenience and peace of mind are worth much more than a perceived saving on a price that seems too good to be true.
3. Customer Reviews
A great way to gauge whether an insurance company is reputable is to look at their customer reviews. If an insurer has plenty of satisfied customers, then it’s a good sign you can trust them with your insurance needs too. If you take a look at these Hartford insurance reviews, for example, you’ll see that customers are impressed by the outstanding service, fast pay-outs and support after an accident. These Hartford reviews give you an indication of the service you’ll receive, so it’s an effective way to find out whether a potential insurer is worth pursuing.
4. Comprehensive vs. Liability Coverage
Liability coverage is compulsory in most states, but it typically only covers the costs associated with injuries caused to another person or damage to property if you’re responsible for an accident. However, with comprehensive car insurance, your vehicle can also be covered for incidents like vandalism, theft, and fire. Furthermore, comprehensive cover can also include your medical bills and vehicle repair costs. Sometimes, the cost between the two types of policies isn’t all that different, so it’s worth checking what level of cover you can obtain for a similar cost.
Buying the Right Insurance Policy
Getting the right insurance will give you peace of mind. If you’re unsure what type of policy is best for you, talk to several insurers before making a decision. By taking your time and getting all the information you need, you can get the right cover level at the best price.