Call Us Today!

Tips for Buying Car Insurance: How to Get the Best Coverage

Personal Insurance

Every driver must purchase insurance, but not every driver knows what they need and how to get the best possible rate. Fortunately, the experts are here to help. If you’re looking for new coverage, remember these tips for buying car insurance. 

Figure out what you need.

You’ll have to at least purchase the state minimum liability coverage requirement. Still, depending on your situation, you may need to buy more. You can purchase extra liability insurance, along with the following coverage types:

Collision: Covers damage done to your vehicle during an accident involving another car or object. 

Personal Injury Protection: Covers you and any passengers in your vehicle if you get injured in an accident, regardless of fault. It will take care of medical bills and possibly funeral expenses and lost wages. 

Comprehensive: Covers your vehicle for damages unrelated to a collision with another car, such as fire, vandalism, theft, and falling objects. It may even cover your vehicle if you hit an animal.

Uninsured/Underinsured Motorist: Covers damages caused during a collision with an uninsured or underinsured driver.

MTG | Tips for Buying Car Insurance

Compare carriers and rates.

One of the most important tips for buying car insurance is to shop around. Fortunately, if you’re working with MTG, we can do that for you. We’ll review policies from various carriers and select the one offering the best coverage for the most reasonable premium.

Ask about discounts.

Always ask what discounts you can get for car insurance. Your carrier may offer breaks on your premium for:

  • Driving a vehicle with extra safety features
  • Taking a safe driving course
  • Bundling your policy with other types of coverage
  • Going paperless
  • Being a good student

Carefully read your policy before signing

Never sign a document you haven’t read, including an insurance policy. Make sure you understand your coverage and its limits so you can adjust it if needed. 

At MTG, we’re always ready to help you find the right coverage. Call an agent if you have any questions about coverage, would like a quote, or need more tips for buying car insurance.