Navigating the complicated world of car insurance is not always easy. With so many options and levels of coverage, it can be challenging to find the right policy for your specific needs. You will put yourself in a better position to make an informed decision if you research all of your options. Here are three things to know about car insurance before purchasing a policy.

Types of Coverage

There is a dizzying array of types of automobile insurance coverage. The law requires that you purchase a minimum of liability coverage. This type of policy covers damage to other vehicles as well as injuries to passengers that happen when the insured individual is at fault. There is also a variety of gap coverage policies that you can choose to protect yourself even further. A comprehensive policy will deliver the most coverage, but you will see a significant bump to your premiums with this option.


The year and make of your vehicle are the biggest factors for determining the pricing options that you will be offered. For example, if you drive a car that is known for being more expensive to repair, you will likely pay more for your coverage. Keep in mind that you don’t own the vehicle when you lease a car, so that can affect the price of your insurance. Leased vehicles require more coverage with higher limits.

Understanding Deductibles

Before making a car insurance decision, it is important to understand the ins and outs of deductibles. Generally speaking, the higher that your deductible is, the lower that your premium will be. If you agree to pay a higher amount of a deductible, the insurance company will lower your rates knowing that they will not be on the hook for as much money. Only you can decide the risk that you are willing to take with being responsible for a higher deductible. It is important to make sure that you can pay your deductible should you need to make a repair if you decide to try to save money on your monthly premium by going with a high deductible plan.

Be sure to compare different options so that you can ensure that you are getting the coverage you need for the price you want. While it may be tedious to wade through all of the options, you may save a significant amount of money and time if you make the initial effort.

If you’re looking for a new car insurance policy, we have some great options. Contact us to get a quote!