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05-25-21

Steps to Shopping for Car Insurance that Offer Protection and Savings

Purchasing a new or used vehicle is a great time to reevaluate your car insurance policy. Whether you are stepping into a new ride or your policy is set to expire, there are some steps Brownsville, Texas drivers can take in order to find the best policy.

With so many options on the market and new providers popping up, choosing the best car insurance can feel dizzying. From celebrities pushing new names on commercials to ads on social media, how do you know which is the one for you?

Here are a few tips to help you choose the best insurance in Brownsville, Texas for you and your vehicle.

Know What You Need Before You Start

The process begins with knowing what kind of protection you need and gathering the necessary information. You will need basic personal information like the driver’s license number for each driver on the policy.

Other information includes details for your vehicle. Make sure to have these on hand:

  • VIN (vehicle identification number)
  • Mileage
  • Model (for example, EX, LX, Touring, etc.)
  • Driving history on record

After you gather your info, determine the level of coverage that is right for you. Different states require different minimums for coverage. For example, drivers in the Rio Grande Valley, Texas area are required to have at least $30,000 of coverage for injuries per person on the policy, $60,000 per accident, and $25,000 for property damage liability.

Sometimes this decision comes down to what you can afford so check your budget to see how much money you have to pay for insurance each month. There are several types of coverage, which include:

  • Bodily injury and property damage
  • Uninsured motorist coverage
  • Collision
  • Comprehensive
  • Medical payments and personal injury protection

Once you begin the search for which insurance to purchase, you can speak or chat with a local Brownsville, Texas agent who may be helpful in deciding which level is right for you, but you will want to do some research to determine what each offers beforehand.

One Size Does Not Fit All

As you compare your options, make sure to include local insurance providers around the Rio Grande Valley, Texas area and not just the national names. While it can feel like a full-time job in the moment, the more companies and types of agents or representatives you work with, the better the choice in the end.

There are online tools that allow you to compare car insurance quotes almost instantly. This can be helpful, but it is important to remember that they rely on algorithms and preset data in order to prioritize speed.

Speaking with either specialized or general insurance agents and representatives around Brownsville, Texas adds a human element. This could mean that you wind up with better protection for less money, because a person might have the flexibility to offer a deal that is not available in the online system. Don’t be afraid to ask for any available discounts up front and take advantage of the opportunity.

Shopping Around Pays Off…Literally

According to the research, drivers in areas like Brownsville, Texas can save over 40% on the cost of car insurance by securing multiple quotes while shopping for a new policy. Depending on your vehicle, driving history, location, and coverage, this savings can add up to nearly $1,000 a year.

For more information on choosing the best policy for you and your vehicle, the expert team at Charlie Clark Nissan Brownsville is here to help. Call Charlie Clark Nissan Brownsville at 956-395-3616 or get in touch online today!

 

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Steps to Shopping for Car Insurance that Offer Protection and Savings | Charlie Clark Nissan Brownsville Blog

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