Questions to Ask Before Buying Car Insurance

Secure the right auto insurance by asking these important questions.

After months of saving up and searching for the right vehicle, finally buying your car can feel like the hardest part is over. Forgetting auto insurance until the last minute is a common mistake to make, but a costly one at that. Researching the right coverage and company to suit your needs gives you the peace of mind to cruise the open roads protected.
Before securing your auto insurance policy, ask these questions.
What coverage do I need?
Each state has its own requirements. In most states, auto liability insurance coverage is mandatory. It’s important to know what coverage could be best for you, depending on your needs, vehicle, and financial situation. You may want to raise liability limits to protect your finances or Roadside Assistance so that you have a helping hand when you need it most.
How high is my risk?
Risk assessment by auto insurance companies is based on a number of factors, such as age, sex, occupation, where you live, and how long you’ve held your license. Rates for first-time drivers are likely to be high, but there are going to be ways that you can lower your premiums. In general, the greater the risk you are to the insurance company, the higher your premiums.
How high do I want my deductibles?
If you’re involved in an accident, you will have to pay a certain, pre-agreed amount (the deductible) before your insurance kicks in. You can choose the amount to be higher, so that you have a greater out of pocket cost in the event of an accident, or lower, which will save you on monthly premiums. Discuss with your insurance agent about what is right for you.
Get started on securing the right policy for your needs and vehicle by contacting the professionals at McCarty Insurance Agency, serving Fresno and neighboring cities in California.