Comparing auto insurance can be overwhelming. As a result, many people just pick a policy and stay with it. But pricing varies depending on your age, location, vehicle and even your credit score, so re-evaluating your options every few years is worth the effort.
Here are a few points to consider:
- If you have undergone life changes – such as having a baby, turning 25 or moving to a new city – you may be eligible for a discount. If you had a ticket or a violation dropped recently, ask your agent to remove the surcharges on your policy.
- When talking to your agent, ask questions about your existing coverage and any extras that come with the policy. It’s important to make sure you have everything you need covered, and equally important that you are not paying for features you don’t want or no longer need.
- Many insurance companies consider your credit score when deciding on premiums, according to Consumer Reports. If you have great credit, make sure your agent knows. If your credit is less than perfect, talk with a financial advisor about ways to improve it.
Finding the right auto insurance is possible. Know what questions to ask, and don’t be afraid to ask them. Comparing auto insurance could save you money today, as well money, time and frustration down the road if you are in an accident.