Car insurance is a vital add-on to your regular car payments. But with so many car insurance plans out there, how can you decide which one is right for you? You might be overwhelmed by the options when you do even a quick Google search. There are hundreds upon hundreds of different types of insurance coverage and providers.
To narrow down your search for an insurance plan, you need to ask yourself a few questions. One very important question to ask is: how much do you drive? Your mileage will greatly impact the type of policy you need. If you don’t use or need your car every single day, you should opt for mileage-based insurance. However, if you need your car every day for a long commute or driving kids to school, you’ll need coverage that reflects that time spent driving.
You will also need to take into consideration the type of car you drive. The make and model of your car affect its likelihood to incur claims. For example, a flashy sports car is more likely to get stolen than a run-of-the-mill sedan. The sports car will also require more expensive bodywork. Both of these are very important factors that are calculated into insurance coverage.