{"id":708,"date":"2014-12-15T19:19:17","date_gmt":"2014-12-15T19:19:17","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=708"},"modified":"2023-05-30T20:06:55","modified_gmt":"2023-05-30T20:06:55","slug":"how-to-choose-the-right-auto-insurance","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/auto\/buying-auto-insurance\/how-to-choose-the-right-auto-insurance\/","title":{"rendered":"How to Choose the Right Auto Insurance"},"content":{"rendered":"<p>Most drivers know there\u2019s no trick to buying <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\" target=\"_blank\" rel=\"noopener noreferrer\">auto insurance<\/a>, but getting the best options isn\u2019t always as simple. As is typically the case, insurance rates in smaller, less populated cities tend to be lower than larger cities. So, if you live in <a href=\"https:\/\/www.freeway.com\/auto-insurance\/arizona\/phoenix\/\">Phoenix<\/a> or <a href=\"https:\/\/www.freeway.com\/auto-insurance\/arizona\/tucson\/\">Tucson<\/a>, you might want to be a bit more selective before signing on with \u201cBrand X\u201d auto insurance. The reason for this, is that the wrong choice can be costly in terms of premiums, as well as running the chance of missing out on discounts not offered by Brand X \u2013 thereby, resulting in getting coverage that doesn\u2019t meet your particular needs.<\/p>\n<p>Chances are you may already be aware that policies fall into two basic categories. On the other hand, if this is your first experience shopping for auto insurance, you might want to follow along.<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><strong>Full Coverage<\/strong><br \/>\nThis type of policy covers damage to your vehicle in addition to the other party\u2019s vehicle. You should look into full coverage if you drive a fairly expensive or newer vehicle that is being financed. In most cases, the lender won\u2019t give you an option &#8211; except to fully insure the vehicle to protect their investment \u2013 at least until you\u2019ve made the final payment. In the event it gets totaled in an accident, the loan will be paid off. Plus, you\u2019re covered for liability and property damage.<\/li>\n<li><strong>PL\/PD \u2013 Public Liability and Property Damage<\/strong><br \/>\nIf you drive an older vehicle (or one that\u2019s paid for) that may not be worth the trouble of repairing, this may be the coverage for you. It also keeps you legal, fulfilling the basic liability insurance requirements which are (keep in mind these number may vary depending which state you are in):<\/p>\n<ul>\n<li>$15,000 bodily injury for one person<\/li>\n<li>$30,000 bodily injury for more than one person<\/li>\n<li>$10,000 property damage<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Choosing PL\/PD normally translates into lower premiums, but also consider this \u2013 it doesn\u2019t cover repairs to your vehicle and, if it happens to be your only means of transportation, it could spell bad news. That\u2019s the main drawback here \u2013 should you want to keep the vehicle, the cost of repairing it would be strictly out of your pocket.<\/p>\n<h2>What to Look for in a Policy<\/h2>\n<p>One thing to consider is that you have the right amount of coverage to take care of any repairs to your vehicle, as well as that of the other party involved. In addition, sufficient medical protection to cover you and parties injured in an accident is a necessity. Your full coverage insurance policy should include:<\/p>\n<ul>\n<li>Auto Liability Insurance\n<ul>\n<li>Bodily injury<\/li>\n<li>Property Damage<\/li>\n<\/ul>\n<\/li>\n<li>Uninsured Motorist Insurance &#8211; for bodily injury<\/li>\n<li>Medical Protection<\/li>\n<li>Auto Collision Insurance \u2013 will require deductible<\/li>\n<li>Auto Comprehensive \u2013 will require deductible<\/li>\n<\/ul>\n<p>You may also want to add a couple of extra features to your policy, such as rental car, while your vehicle is being repaired, and towing.<\/p>\n<p>Finally, when choosing both a policy and an auto insurance company\u2026make sure they offer these discounts:<\/p>\n<ul>\n<li>Multi-vehicle<\/li>\n<li>Multi-policy<\/li>\n<li>Good driver<\/li>\n<li>Anti-theft<\/li>\n<li>Good student<\/li>\n<li>Low mileage<\/li>\n<li>Driver education or defensive driving course<\/li>\n<li>Loyalty<\/li>\n<\/ul>\n<p>While many insurance companies offer discounts to drivers, they may not offer all of the above. That\u2019s why it\u2019s so important to shop and compare. All discounts are worth a percentage of savings. The more discounts you qualify for the more it\u2019ll affect your annual premiums &#8211; in a good way.<\/p>\n<p>A good way to ensure you\u2019re not paying too much is to make sure you\u2019re getting the best rate on your auto insurance. Why not get a <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">free auto insurance quote<\/a> from Freeway Insurance today?<\/p>\n<p><em>If you need reliable, affordable car insurance coverage, contact Freeway Insurance today at <strong>(800) 777-5620<\/strong> to speak with a live agent to discuss your budget and needs. You can also request a <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">free car insurance quote<\/a> online to get started.\u00a0<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Most drivers know there\u2019s no trick to buying auto insurance, but getting the best options isn\u2019t always as simple. As is typically the case, insurance rates in smaller, less populated cities tend to be lower than larger cities. So, if you live in Phoenix or Tucson, you might want to be a bit more selective [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[52],"tags":[94],"importance":[],"type-content":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/708"}],"collection":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=708"}],"version-history":[{"count":7,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/708\/revisions"}],"predecessor-version":[{"id":8830,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/708\/revisions\/8830"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=708"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=708"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=708"},{"taxonomy":"importance","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/importance?post=708"},{"taxonomy":"type-content","embeddable":true,"href":"https:\/\/www.freeway.com\/knowledge-center\/wp-json\/wp\/v2\/type-content?post=708"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}