Car insurance is a necessity for any driver, but you want to make sure that there are no surprises when it comes to the kind of car insurance that you purchase. It’s important to understand exactly what is covered when you purchase your car insurance, so you can hit the road with confidence.  Whether you’re thinking about switching car insurance providers, renewing your plan, or purchasing a new vehicle, make sure you pay close attention to these five things before you sign on the dotted line.

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  1. Do research, even if you have a broker

Your broker is only able to give you quotes from the car insurance companies that they represent. If you’re using an insurance representative, they’re even more limited. Insurance representatives can only show you car insurance options that are available from the company they represent. It’s critical to do your own research, even if you end going with coverage that your broker initially suggested. Make sure that you have a good idea of what car insurance premiums are based on the make and model of the car you are choosing to insure, as well as your history as a driver.



  1. What your deductible means, and how to make the most of it

A deductible is the amount you have to pay before your insurance company will cover any claim-related expenses. Increasing your deductible is a great way to lower your overall insurance rate however; you have to be comfortable with paying a higher fee in the event of an accident. Look at your finances and calculate the pros and cons of a higher deductible rate for your car insurance. There is always a happy medium that can be reached with regard to your deductible amount and your car insurance rate.

  1. What kind of car is in your budget?

The type of car you drive is an important factor when it comes to car insurance. Depending on the make and model, your premiums for your car insurance could increase or decrease. If you’re planning on insuring a new car, a sports car, or a fairly expensive car, make sure that you check the rates before purchasing.

  1. Always ask for discounts

  1. Take an accredited driving course

Taking a driving course has a pretty significant impact on the quote you receive for your car insurance. Make sure to take your driving course at an accredited institution like young drivers. This will not only prepare you to get on the road, but it will help positively affect your premiums going forward.