You already know you need to have auto insurance coverage to stay legal on the roads here in Albany, OR. But did you know that there’s no such thing as a one-size-fits-all policy? That’s why it is important to discuss your needs with our Allen & Associates Insurance Inc. team. Here are three tips to ensure you have the right auto insurance coverage.
Tip #1: Decide If You Need Full Coverage
Do you actually need the coverage you have? If your vehicle is paid off or older, it might make more sense to have liability-only coverage. However, there are quite a few different elements that go into making such a big decision, making it super important to talk to an agent before you downgrade your policy.
Tip #2: Make Sure You Have Enough Coverage
While having state minimum limits might be okay to keep you from getting a citation, they’re usually not enough to keep you fully protected. After all, costs add up quickly after an accident claim, and there could be a chance that you don’t have enough. Instead, make sure you’ve discussed your financial situation with your agent to talk about limits, deductibles, and other aspects of your car insurance policy.
Tip #3: Check Annually
Life moves fast. That’s why it is so important to sit down with your trusted insurance agent and review your auto policy annually. We’ll go over your current life circumstances, driving record, and much more during that meeting. With so many factors affecting your rates, it is important to make sure you’re always getting an accurate premium estimate and qualifying for the right discounts. In the best case scenario, we might be able to save you some money.
Are you ready to review your Albany, OR car insurance policy to ensure you have adequate coverage? Please contact our team at Allen & Associates Insurance Inc. to schedule an appointment.