There are a number of factors you should consider when purchasing any product or service, and insurance is no different. Here is a checklist of things you should consider when purchasing auto-car insurance.

  • Don’t base your decision on price alone. Base your decision on value – what you get for what you pay.
  • Consider the quality of the company’s insurance claims service and consumer education.
  • Purchase the amount of liability insurance coverage which makes sense for you.
  • You should decide which optional coverages you want. For example, do you want optional physical damage coverages or is the market value of your car too low to warrant purchasing them.
  • Once you have decided what you want in your auto-car insurance policy, you can now decide from whom you would like to purchase the insurance. For example, you may decide you like the idea of purchasing insurance from a mutual company rather than a stock company.