How to Choose the Right Auto Insurance Policy

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auto insurance

Finding the right auto insurance policy could feel like trying to aim at a moving target. You need to consider factors such as your own lifestyle and preferences, as well as local laws and regulations to make the right decision. Don’t rush into choosing an auto insurance policy – take the time and research to find the right amount of coverage for you and your family!

Here are what to consider when choosing your car insurance policy:

Do an Annual Rate Check

Auto insurance policy is not “set it and forget it.” Your circumstances may change, and you may need coverage different from the years prior. Make a habit of conducting a rate check before renewing your coverage, to make sure you’re getting the best policy possible.

Get a Personalized Quote

It’s important to get a customized quote from an agent who understands the local laws and regulations to make sure all your questions and concerns are addressed while taking into account your unique lifestyle and financial situations. Our agents are always available to help customers find the perfect policy for their needs and budget specific to the state of Florida.

Select a Top-Rated Insurer

Visit websites that rate auto insurers, such as Consumer Reports, to find out the latest ratings for auto insurance providers. See how insurers measure up in dealing with claims, payments, and non-claim problems to make sure they can meet your expectations.

Get Clear On Your Financial Picture

There’s often a give-and-take between deductible and premium — if you opt for a higher deductible, you’d lower your premium. Figure out what you can comfortably afford, and consider factors such as your driving record to see how they impact your premium. Don’t neglect your own risk-tolerance. After all, part of purchasing insurance is for the piece of mind.

You should also take into account your other assets. If you’re a homeowner and/or have sizable financial assets, you may want to protect your assets by increasing your liability coverage limits above the legal minimums. To make sure you’re covered without paying more than you have to, get a personalized quote from an experienced agent. Here at Synergy, we’re always ready to help.

Consider Your Unique Circumstances

auto insuranceThere’re many factors that’d affect your premium and deductibles — e.g. your driving record, car make and model, driving habit or mileage, and even location (more accidents happen in densely populated areas.) Since there’re so many moving parts that could determine the best policy for you based on lifestyle, preferences, and circumstances, it’s always advisable to speak to an experienced agent before finalizing your decision.

Safety behind the wheel is crucial. In case of emergency, always have the right documents on hand. Our Auto Accident Workbook has all the important information needed to file a claim, so you can take the guesswork out of your coverage. Click the image to get your copy today, and keep it on file in your vehicle!

Cheap Car Insurance May Not Be Affordable

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Nobody wants to pay extra for auto insurance. There’s nothing wrong with that. However, if you make your decision based on cost alone, you could be setting yourself up for potential sticker shock and safety issues down the line. Avoid the hassle that comes with cheap car insurance, and educate yourself on the differences between ‘cheap’ and ‘affordable.’ Here are some potential mistakes that come with cheap car insurance!

Risking Your Assets

Most cheap auto insurance policies only provide liability coverage that meets the state minimum limit. In the event of a serious accident, that amount may not be enough to cover the damage. If you’re found to be legally liable, the court could order you to make up the difference by taking money out of your savings or other assets.

Here at Synergy, our agents specialize in car insurance policies in the state of Florida. We understand the local laws and regulations better than anyone else and will give you the best quote to meet your needs and budget without putting you in unnecessary risks.

High Out-Of-Pocket Cost

A “cheap” car insurance policy usually lures consumers in with a low premium. However, a low premium often translates into high deductible and insufficient coverage. That means you could be in for an unpleasant surprise if you get into an accident and face a sizable repair bill.

Poor Customer Service and Claim Support

Providers of low-cost car insurance rarely invest in high-quality customer support. The price of their products is simply not structured to provide quality customer service or train knowledgeable agents to support their customers. Moreover, these providers often push for cheaper replacement auto insuranceparts during repair to cut cost. These non-OEM parts are often less durable and more prone to rusting. Some of them may not even meet federal safety standards, ultimately putting you and your family at risk. If you purchase cheap auto insurance, you may save a few bucks upfront but suffer the frustration, not to mention wasted time and energy, when you most need the support.

Safety behind the wheel is crucial. In case of emergency, always have the right documents on hand. Our Auto Accident Workbook has all the important information needed to file a claim, so you can take the guesswork out of your coverage. Click the image to get your copy today, and keep it on file in your vehicle!