Buying auto insurance can be one of the most important decisions you’ll have to make in life. It can have a drastic impact on your financial situation if you choose poorly. Consider the following factors when picking the best carrier, provided by the San Diego auto insurance experts at American Tri-Star Insurance.
Available Payment Options
When you’re considering different insurance carriers, look at the financing plans offered by each. Do they only accept online payments? Do they offer automatic payments that take the money directly from your bank account each month? Many agencies will give customers a moderate discount if they pay for six months up front rather than on a monthly basis.
Driver Safety Discounts
Driving safely doesn’t just protect your personal health and property. If you have a stellar driving record, you may be eligible for substantial discounts on your rates. These can add up to hundreds in savings per year if you practice safe driving and are fortunate enough to not have any accidents.
Many very basic plans will absolve you of liability in the event of a crash but won’t actually pay for repairs. However, most agencies will offer coverage options that pay for repairs regardless of who is at fault in an accident. Make sure you know what you’re getting in collision coverage before making a commitment.
Flexible Plan Modification
Some insurance agencies are great when it comes to adding extras to your plan after you’ve inked a contract, and many can combine auto insurance with homeowners insurance or other options for a bulk discount. However, you can’t always count on that flexibility. Make sure your potential carrier has a variety of coverage plans.
Consumer Satisfaction History
Last, but not least, it’s important to know what kind of reputation a potential auto insurance agency has before you get involved with them. Scour online reviews from a variety of sources and ask friends and family members which carriers they trust to ensure you don’t get taken advantage of.
Keep the factors mentioned here in mind when making a decision and you should be able to find the carrier that best suits your needs. For a no-obligation quote on cheap auto insurance in San Diego, give American Tri-Star Insurance a call at 619-272-2100.