How to Choose the Right Auto Insurance Policy

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

There’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.