As you prepare to purchase car insurance, whether for the first time or after several years with a different policy, it is important to familiarize yourself with the ins and outs of the industry, as well as understand the best possible options for your plan. Here’s some of what you need to know about using an agent, receiving comprehensive coverage and reducing your liability.
- DRP vs. OEM parts. When you need to actually put your car insurance to use, it’s important to pay attention to how your insurer treats your claim. One quick way to notice this is if you’re being pressured into using parts from a direct repair program (DRP) that are often cheaper and of lower quality. Instead, you should be looking for products made by the original equipment manufacturer (OEM) which will fit better with your vehicle and be longer-lasting.
- Discounts work in your favor. Look for any discounts you can get on your car insurance, which are there to get the attention and the business of drivers who are inherently lower risk than their more reckless counterparts. This goes for those who regularly drive safely, and even new drivers who are young people and can prove they are receiving good grades can also benefit from these options. These different types of deals are found throughout large and small companies.
- Weigh which car you drive. If you are looking to purchase a new car, it can pay to choose one which will help to lower your car insurance premiums. These will vary by auto model and the safety associated with each type of car. Ask your insurer about their comprehensive coverage policies for different cars before you buy, if possible.
This is just a sampling of the many factors that go into a successful car insurance purchase. For a full account of the ways that we can help you save safely, contact us at Skeele Agency, today. We can be reached by phone at any of our New York offices, including the following: Cazenovia, 315-655-2878, Chittenango, 315-687-3901, Deruyter 315-852-6180, Malinus, 315-682-5141, Moravia, 315-497-0410 or Waterville – New Hartford, 315-797-3515. We look forward to working with and helping you.