When selecting an auto insurance policy, many people in Naples, FL, allow premium prices to drive their decisions. Some simply prefer to go with what their friends or family use, which may not be the best idea. Cutting corners on cost or simply going with the insurance company next to you can leave you underinsured or overexposed. Fortunately, there is a way you can strike a balance between adequate coverage and affordability when you have the right information. Pro America Insurance recommends asking the following questions about auto insurance.
Which coverages do I need?
One of the most critical questions to ask your insurance provider is your coverage needs. Auto insurance needs vary from one motorist to another as we all have different cars, driving records, and driving habits. In most cases, you will be required to carry liability as required by Florida law and buy the rest as additional protection. Your insurer may recommend PIP, Comprehensive, Collision, and Uninsured/underinsured motorist coverage.
Who can drive my car and be covered by the policy?
The chances are that your children, spouse, friends, or parents will be driving your car once in a while. This question clears the air as to who is covered while driving your car. If the policy does not recognize third parties, then it may not cover you in an accident resulting from a third party.
What is affecting my insurance premiums?
It’s also essential to know which factors affect your premium rates and adjust accordingly. Remember, you cannot change some aspects about you, such as your age, but you can change other aspects like your driving record by driving safely or taking extra driving courses. You can also move to a safer location to reduce theft risk.
Are you looking to buy auto insurance in Naples, FL, and not sure where to start? Don’t worry because you’re in the right place. Pro America Insurance has every skill, tool, and experience to help you achieve your auto insurance goals. We take you through the process and ensure you obtain a policy that matches your needs, style, comfort, and budget. Call us today!