Rollo Insurance Blog
Every driver should have car insurance, and most states require it. However, according to Forbes, one in eight drives without auto insurance. If you don't have car insurance, feel as though you are paying too much, or are dissatisfied with your current coverage, here's how to choose a new policy.
Choose the Right Deductible
Your deductible is the amount of damage you have to pay before your insurance kicks in. The lower your deductible is, the more you'll have to pay for your insurance each month. $1000 is a common choice for an auto insurance deductible, but you’ll need to figure out what works for your budget.
Get Several Quotes
Don't get an insurance policy from the first company you talk to -- getting quotes is one of the best ways to save money. At Rollo Insurance of Dripping Springs, we have access to dozens of providers. Each one has different policies and price points, and we take the time to review them all to determine the most cost-effective and comprehensive option for you. There are so many factors that affect the cost of car insurance, so it's smart to review each quote carefully.
Many of our clients dread adding teen drivers to their policy. However, we have saved them a great deal of money by shopping their insurance and finding the right carrier for their needs. We can also advise them on the types of vehicles that they can purchase for their teen to help save even more money.
Don't Get Unnecessary Coverage
There are some insurance agents who will pressure you into adding additional coverage to your policy. It is crucial to speak to a trusted and knowledgeable representative who can help you evaluate whether you are fully covered with a standard policy, or you need a more comprehensive plan. This is determined by a thorough review of many factors including your vehicle type and driving habits.
Look for Discounts
Many insurance companies offer discounts based on your history as a driver or your status as a citizen. You may qualify for a discount if you're a veteran or if you have a clean driving record. Look for insurance companies that offer discounts that can save you additional money.
As a driver, you can expect to spend quite a bit on insurance throughout your life. Choosing the right policy can help you save money and get the best coverage for your car. If you need car insurance, contact Rollo Insurance of Dripping Springs today to request quotes. We have access to dozens of providers and look forward to finding you the coverage you need!