How to Choose The Best Car Insurance
What Do You Need?
Before even looking over a plan or requesting a car insurance quote, sit down with pen and paper and consider your personal car insurance needs. One of the errors that many drivers make is purchasing a cookie-cutter plan that doesn’t offer the coverage needed or even more common includes coverage that isn’t necessary.
For example, a driver with a second vehicle that isn’t driven daily might not need rental coverage and could save money by eliminating this expense. On the flip side, a driver with only one vehicle might need rental coverage so that in the case of a collision, he or she wouldn’t be stuck without a ride during the repair period.
Skipping Out on Collision?
Surprisingly, many drivers skimp out on collision coverage and choose liability only. This is a risky move since even a small fender bender can cost thousands of dollars in repairs. However, there are times when opting out of collision coverage may be the smarter choice, like in cases where the car’s cash value is less than a policy deductible would be.
Another example is when the cost for monthly coverage is more than the risk. If your vehicle is worth $2,000 and the collision portion of your premium is $600 per year, collision coverage would be eating up 30 percent of your vehicle’s value on a “maybe” crash that might not ever happen.
Although auto coverage isn’t our specialty, specialists at Orlando Auto Body can help you determine what repairs would be covered after a collision occurs. However, we encourage our customers to be proactive and know the ins and outs of their policies beforehand so that the repair process can go as smooth as possible.