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Choosing the Best Auto Insurance: a Spiffy Guide

posted 02 January, 2018 by Julie Briggs
Education

As you likely know, it’s illegal in all 50 states to drive without insurance. Despite this being one of the most important purchases a driver can make, many people freeze up when it comes to shopping for auto insurance. The choices can be so overwhelming that many of us end up just calling the number on the screen during a commercial and hoping for the best.

Cool driver with car insurance

However, failing to make an informed decision can leave you paying more or worse yet, not being adequately covered if you do get into an accident. Don’t wait until an emergency to find out if your insurance is any good. Follow Spiffy’s tips for auto insurance shopping and rest assured that you are covered at the best rate for your family.

Understand Your Coverage

Not every car and driver will need the same coverage. Different states will have different criteria for insurance but most policies are broken down into six separate categories.

  • Bodily injury liability
  • Personal injury protection (PIP)
  • Collision
  • Property damage liability
  • Comprehensive
  • Uninsured/underinsured motorist

These are covered in-depth by the Insurance Information Institute.

Use a Direct Comparison Tool

While going to your neighborhood agent is still an option, many insurance shoppers like the convenience and lack of pressure that comes with using an online tool to compare rates and coverage. This allows you to get quotes from several companies at once and view quotes and coverage side-by-side. If you’re looking for a low rate, this is a great way to find it, but beware: rates that seem too good to be true may be lacking essential coverage and leave you in a precarious position if something happens. This comparison tool by Nerd Wallet is an excellent starting point.

Car insurance graphic

Manage Your Premium

The insurance premium is the amount you’ll be expected to pay during each billing cycle to maintain your coverage. The average driver pays about $125 a month but your premium will vary greatly based on several factors such as your driving record and the state you live in. Some of the ways you can reduce this cost include raising your deductible (but only if you can afford to pay out-of-pocket the deductible amount if you’re in an accident.) You can also reduce the coverage for older cars However, it’s never wise to skimp too much on coverage because some accidents can cost more than you can expect.

Treat Your Car Well

Did you know that cleaning your car regularly improves your car’s resale value and may encourage safer driving? Book your first Spiffy service below and enjoy $20 off.

Save $20 Spiffy

Posted in Education

Written by Julie Briggs

Cat mom and skeeball enthusiast based in New York, NY.