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Auto insurance is so much more than just a monthly expense. Statistics show that the average driver will make a major claim once every 18 years — roughly three times in their life. That’s three times when you’ll rely on the coverage options you choose to keep you from paying through the nose for medical expenses, repairs, and even property damage. 

That’s why the team at recently released a guide to finding a great auto insurance provider. They recommend opting for insurers who sell their own policies (no middlemen, please!), are financially solvent, offer superior customer service, and provide comprehensive policy options so you can choose the right coverage for your needs.

A great policy will include the following basic areas of coverage:

  • Bodily injury liability & property damage liability

    • Covers costs associated with medical care and property damage to the other party if you’re the driver at-fault in a collision

  • Collision

    • Covers damage caused to your car by another car, object, or flip.

  • Comprehensive

    • Covers damage to your car caused by something other than another car or object. This includes natural disasters, animal damage, and even vandalism.

  • Personal injury protection (PIP) / medical payment

    • Covers injuries to the driver/passengers of the policyholder’s vehicle. This is important if you’re the at-fault driver, as your Liability coverage is for the other driver and their car, not yours.

  • Uninsured / underinsured motorist (UM / UIM)

    • Covers costs that come with a collision with an underinsured, uninsured, or hit-and-run motorist.

Be sure to check for discounts, too. Auto insurers make their money through your monthly premiums, so retaining you as a customer is extremely important to them. Many extend standard discounts during their online ordering process, but don’t stop there. If you’re looking for the best possible deal, asking in-person for further discounts is the best way to seek them out.

To see the full guide and see which providers scored highest, you can check out their full guide here:

Amber JonesComment