For most drivers, choosing the right auto insurance agent in Chicago has more to do with what kind of car insurance you need. But if you are a new driver, or you haven’t needed to update your insurance policy in a few years, you may not be sure how much insurance you really need. There are many types of insurance, and each type is suited for specific driving needs. Here’s how to determine what you need:
- First, start by checking the laws of where you live. When you are choosing your auto insurance agent in Chicago, you’ll need insurance that meets the state’s minimum insurance requirements above all else, in order to drive legally.
- Be sure that your insurance will actually cover the value of your car. If you get into an accident that totals your car, will you get the entire value of the car back or just a small percentage? This won’t help you replace your car.
- Consider the pros and cons of having a higher deductible if you want to keep your insurance payments lower. Higher deductibles mean you’ll be paying more out of pocket in the event of an accident, however, so it may not be the best choice for all drivers.
- Consider your other insurance policies. If you have a quality health care insurance plan, for example, you may not need a hefty Personal Injury Protection policy with your auto insurance. Your agent in Chicago can explain exactly what this means, and how to find a plan that doesn’t include more than the minimum if you don’t need it.
- Find out about discounts before you buy. Many insurance agencies offer discounts for insuring multiple cars, or for cars that have anti-lock brakes, and so on. Even if you don’t see a list of insurance discounts, ask if there are any you can apply for.
- Consider if it would be more financially sound to get a service through another avenue. For example, it may be wiser to join an auto club for roadside assistance, rather than paying for towing insurance.
These tips will help you narrow down how much insurance you need. Not every driver needs the same thing, so take your time considering each tip.
At Business Name, we are here to help you figure out exactly what you need and how to get it.
