Things You Need to Know Before Renewing Your Car Insurance

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Things You Need to Know Before Renewing Your Car Insurance

Auto Insurance Renewal Considerations

Don’t wait until the last minute when it comes to renewing your auto insurance. While it’s easier to let your current insurer renew your auto insurance policy automatically, it may not always be the right coverage or price for your new needs. Planning ahead can help you avoid a gap in your coverage by determining your needs and shopping around for different rates. Here are a few things to consider before renewing your auto insurance.

Consider your mileage.

Auto insurance companies offer lower rates based on how often you use your car. If you drive infrequently or have a short commute between work and home, you may be paying more than necessary. Sit down and determine the number of miles you do a year so that you can inform your insurer.

Opt for more than the state-required minimum.

In the event of an accident, liability auto insurance pays for damage for which you are legally responsible when injuring someone or damaging property. However, it may not cover the damage done to your vehicle. Even though paying the state-required minimum may be a less expensive policy, consider a collision policy that will cover the damage done to your car in the event of an accident.

Consider bundling insurance policies.

Often, insurance policies will offer less expensive premiums when you bundle multiple insurance policies with them, such as auto, home, renters, or long-term care insurance. Talk to your insurer about this to see how much of a discount you are entitled to!

Discuss your desired auto insurance coverage by contacting the professionals at Grand Oak Insurance Agency, serving motorists in Arcadia and neighboring cities in California.

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