Auto insurance is mandatory by law, so what coverage is right for you? There are many factors to consider when choosing the right auto insurance coverage. Here are some things to consider when picking the right coverage.

  1. How much can you budget for? The larger the coverage the larger the payment, so what can you afford? If you set your coverage amount high and your deductible low you will pay less out of pocket when an incident does happen. Consider how much you can budget for insurance, and also how much emergency money you have if something does occur.
  1. What kind of area do you live in? Living in an urban area can increase the chances of minor accidents, so think about the roads where you live. Are the streets busy and crowded? Is parking on the street something you have to do often? If you are worried about minor bumps and scrapes happening to your car in the city, consider that when purchasing coverage.
  1. How much do you drive? Do you work from home or do you commute far? Your insurance company may lower your premium if you drive less, so be sure to call your insurer to find out.
  1. What kind of car do you drive and how do you drive it? If your driving record is clean than consider a high deductible. If your record is not so clean than consider higher limits to ensure you are protected. Also, consider if your car is older or newer. Older cars may be less repairable and cause you to exceed your deductible.

Having the right auto insurance is critical when an incident does occur. Consider the above points and talk to your insurer to figure out the best coverage for you. Accidents do happen, so don’t delay. If you do find yourself in an accident with body damage, bring your vehicle to the professionals at Sherrill Paint & Body Co. We can help file any insurance claims for you as well.