3 Things New Car Owners Overlook When Choosing Auto Insurance

​After purchasing a car, people don’t usually think about the responsibility that comes with having one such as maintenance, gasoline, and especially insurance. Having car insurance is absolutely necessary for any car owner because accidents can occur at any moment and insurance can cover for damages and expenses.  

If you’re a new car owner, you can get overwhelmed by the numerous insurance companies to choose from. Here are three things you should watch out when choosing auto insurance.

1. Examine the Auto Insurance Policy
   Aside from the monthly payments, you should also be vigilant in examining the policy and policy’s features. What will the insurance company cover and not cover in an accident?  
   
   - Will it cover cracked windshields and windows? 
   - Will it cover personal belongings that were in your car because of a robbery, a fire, or an accident? 
   - Will the insurer provide a courtesy car while your car is immobile and shoulder on the expenses of having your car transferred after an accident? 
   
   Watch out for scams, hidden charges, and if there are discounts be sure to take advantage of it. 
   
   
2. Check out the Auto Insurance’s Annual Rate 
   By looking at auto insurance’s annual rate, you can check if you’re getting the best deal. By comparing rates from other auto insurance providers, you can examine how much you will be charged monthly and annually for the quality of insurance you will be receiving.  Also, maintain a great credit score because if you lapse in paying your insurance bills, this will make you an undesirable customer and will affect your premium. 
   
   
3. Know Your Insurer’s Repair Shop
   This is really important because the repair shop your insurance company obtain will be in charge of making sure your car will be up and running in no time. The type of equipment and tools used by your insurer’s repair shop will maintain, fix, or further destroy your car. Some repair shops will try to cut costs by buying cheap replacement parts instead of using parts from the manufacturer. None OEM parts are cheaper but are more likely to rust and fit poorly.  

By getting your car insurance, you’ll be prepared in dealing with accidents from theft, fire, shattered and broken parts, and road accidents.

At Robert Nichols Insurance Agency, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (561) 406-6153 or Click Here to request a free quote.