Is Your Auto Insurance Policy Covering All The Basics? It’s Time For A Yearly Review

The cost of car insurance depends on many factors. An accurate insurance company quote could take into account your driving history, type of car, and the average number of miles that you drive each year. Some states also allow insurers to include personal credit ratings among factors used to determine an accurate insurance payment for car insurance coverage.

The cost goes higher when you choose additional coverage to add to insurance policy protection. Full coverage includes protection for your vehicle against the cost of collision, theft, vandalism, and other types of damage. But you do have to pay a deductible – unless another driver caused the damage and has insurance to pay for repairs.

Many additional coverages could be useful for saving you from a situation in which you otherwise would be stranded with a stalled vehicle. Roadside service, towing, and lockout protection could rescue you from a bad situation. If you are injured in an accident, medical cost coverage could help to pay for an ambulance and treatment in a local emergency room.

Whenever you add on insurance for additional protection, the cost goes up. And you might have to add commercial insurance protection if you make deliveries in your car.


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A lot can happen to your car in the span of a year. You need to have an insurance provider that can meet you head-on.

You can get into a car crash that costs you thousands of dollars in repairs and medical bills. You could end up filing an auto insurance claim when you’re hit with an unexpected flooding. No matter what you’re doing throughout the week, the possibility of a frustrating (and expensive) accident is always just around the corner. Your auto insurance coverage needs to be flexible enough to match up to your busy lifestyle and keep you covered no matter what. If you’re new to auto repairs and need a little advice on managing your car insurance policy, take a look at the list below. Knowledge is power, after all, and you’ll need all the help you can get.

Did You Know?

Taking care of your car is an ongoing act. Failing to live up to these standards can put you and others in danger on the open road. A recent survey found as many as 75% of cars were in significant need of maintenance or major repairs. This means the majority of cars on the road aren’t fit to be driving. It’s estimated over six million car accidents occur in the United States each and every year. It doesn’t take a mathematician to know these numbers are linked, but what does this mean for you and your auto insurance coverage?

Collisions And Damages

The most obvious incident you want to prepare for is a car accident. These are devastating incidents that can destroy your vehicle, leave you injured and put you out of pocket for months…that is, unless you have a good auto insurance coverage plan in place. The average driver files an accident claim once every 18 years or so, which is good news if you’re worried about your odds. This doesn’t mean you should become complacent. A recent survey provided by AAA revealed over 35% of Americans have either skipped or delayed services recommended by their mechanic.

Vehicle Negligence And Repairs

This leads us to the next item on the list. Vehicle negligence causes the American economy billions of dollars every year in damages, most of which can be easily avoided with a yearly check-up to your auto dealer of choice. The four primary causes of auto body damage include weather, fender benders, high speed collisions and the ever-popular vehicle negligence. Another study provided by AAA saw the average auto repair bill averaging at $500 to $600, which is a small price to pay when you consider the astronomical costs of a crash or faulty brakes.

Safe Driving And Benefits

Your auto insurance provider can even give you benefits for practicing safe driving habits. According to data provided by the Transmission Repair Cost Guide, the average cost of transmission replacement ranges from $1,800 to nearly $3,500. The repair price for a brake job (this includes rotors, calipers and cylinders) can cost $750 or more. Even despite all these costs you can save money. Some insurance carriers will give you a discount for installing all four of your winter tires on time. Others will give you points for not getting into a crash and checking up with your auto dealer on a yearly basis.

Taking Good Care Of Your Car

It may seem expensive to look into car repairs now, but it’s even more expensive to put it off and leave your budget up to chance. It’s thought there is a rear end collision on American roads every eight seconds, meaning you could very well be facing the biggest bill of your life this year. Good auto insurance coverage gives you peace of mind no matter where the road takes you, helping you file claims, gain discounts and stay safe as you move through your busy life. If you have any questions you should ring up your auto insurance policy and clear it up before you get into a crash, not after.

Better safe than sorry. How will you make sure you get the most out of your vehicle service in 2018?

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