Finding the right car insurance can be stressful, especially when there are so many options available to car owners. How do you know that you are making the smartest decision? Here are a few things to consider before purchasing car insurance.
The first thing you should assess before purchasing car insurance in Orlando, FL, is how much coverage you will need. Each state has its own laws concerning the minimum amount of insurance you need to have. The minimum requirement in Florida is $10,000 for personal injury protection and $10,000 for property damage liability. You should also consider whether you need collision, comprehensive, or uninsured motorist coverage.
When you purchase car insurance in Orlando, FL, or anywhere in the state, your rates will be affected by the company’s risk assessment. Your age, driving record, criminal record, credit rating, and even where you live determine your “risk” to the company. If you have speeding tickets, are younger than 25, or live in a high-crime area you may need to shop around more to find a more favorable rate.
The next thing you need to consider is who will be driving your car. You need to make sure you are covered if someone else is driving. If you have a child who is learning to drive or let your friend borrow your car, you need to be prepared in case they have an accident in your vehicle.
Your car insurance deductible is the amount of money you need to pay out of pocket before your insurance kicks in. A higher deductible typically means a lower premium, but you could be stuck with a considerable bill should you get in an accident. Weigh the risks and rewards of all your deductible options before making a selection.
Value of Your Car
If you are considering purchasing a vehicle, consider the cost of insuring it. Do your research to make sure your premiums won’t be sky high. A flashy sports car costs more to insure that a practical SUV and a cheap used car may not actually be your best bet either.
24-Hour Claims Service
Many insurance companies offer 24/7 claims services, which is a big deal. If you get into an accident when your insurance office isn’t open, and they don’t provide this service, you could be stuck waiting to file your claim. Accidents are stressful enough on their own, so it pays to look for car insurance in Orlando, FL, that offers this service.
Choosing the Right Agency
When you work with the agents at Florida Insurance Group, you don’t need to ask yourself these complicated and often frustrating questions – just ask your agent! Our experienced agents will help you find a policy that meets all of your needs and fits into your budget. Contact us today at 407.277.2400 to request a quote today.