Sunday, May 15, 2016

Why Picking the Right Auto Insurance Is Important

auto insurance houston

Houston Auto Insurance

When it comes to auto insurance, many people pick a policy the day they buy their first car, and don’t explore other options for years unless a problem arises. The thing is, as your family grows and your number and quality of vehicles increase, it may be worthwhile to re-examine your policy and see if there are any alternatives out there that offer greater coverage while saving you money at the same time. When thinking about shopping for a new auto insurance Houston policy, here are a few things to keep in mind:

Pick a top-rated insurer. Sure, it’s tempting to go with a lesser-known insurance company with a lower annual premium. But cut-rate prices sometimes translate to cut-rate service. Make sure you go with a well-known, trusted company when you choose your auto insurance.

Look for bundling opportunities. Most top-rated insurance companies offer bundling discounts for customers who wish to purchase auto insurance in conjunction with another type of policy, such as homeowners, renters or motorcycle insurance. These discounts can translate to monthly savings on coverage you need anyway.

Set the right deductible. While a higher deductible reduces your premium, it may be wiser to go with a lower deductible if you aren’t sure you would be able to pay the higher amount out of pocket in the event of an accident.

Mileage matters. If you have suddenly taken a job closer to home, or moved closer to the office, let your insurer know that your average mileage has gone down. You may qualify for a lower premium if you are driving fewer miles than before.

If you’re looking for new auto insurance, let Frank Medina Insurance help you out. We are a Houston-based independent insurance agency. FMIA provides free auto quotes from several top rated companies so you can comparison shop for rates all in one easy step! We also offer several discounts you may be eligible for, meaning more savings for you. Contact us today at 713-955-2559 or start a free quote online now.