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Factors to Consider When You Purchase Auto Insurance

On May 24, 2022
auto insurance

If you live anywhere other than a crowded metropolis, it’s probably likely that you need a car to get around—and with any car comes the necessity of auto insurance. The world of insurance can be overwhelming at times. With so many policies and plans to choose from, it’s challenging to decipher which is best for you and your needs. Let’s look at some of the main factors you should consider when purchasing auto insurance

How Often Do You Drive?

How often do you drive your car? The answer will affect your auto insurance policy needs. If you have a long commute that takes place five days a week, you face a higher likelihood of getting into an accident, so you won’t want to risk not having collision insurance. On the flip side, if you mainly rely on public transportation and only use your car once or twice a week, it may benefit you to choose an insurance policy based on mileage. There’s no reason to pay for a more expensive plan when you rarely use your vehicle. Of course, if your car is essential to your daily life, it’s probably a good idea to err on the side of caution and get more coverage. 

Do You Use Your Car for Your Job?

If you use your car for a job, such as a delivery driver or Uber driver, you’ll need to take that into account when shopping around for an insurance policy. Personal auto insurance does not typically cover expenses incurred from a commercial vehicle, making it essential to include commercial coverage in your auto insurance policy. You don’t want to be caught in an accident during your working hours without the proper coverage, as your regular policy most likely won’t cover your expenses. This could also become a problem if you are liable for the injury of a passenger. 

What Area Do You Live In?

Your hometown will also be a factor in choosing the best auto insurance policy for you. If you live in an urban area and park your car on the street, you may be at a higher risk for crimes like vandalism and theft. If this is the case, you may wish to include comprehensive coverage on your policy. On the other hand, if you call a rural area home, this kind of coverage may not be necessary. You may, however, need to contend with possible damage from inclement weather or local wildlife. Chat with your insurance agent at Hull Maynard Hersey Insurance to determine how your residence can affect your auto insurance policy. 

Who Will Be Driving Your Car?

While shopping for auto insurance, be sure to consider who may be getting behind the wheel. If anyone besides you will be driving your car regularly, you’re required to add them to your auto insurance policy. A one-off occurrence every now and then doesn’t usually need to be specified. Drivers like a spouse, teenage child, or roommate should be added to your policy in case they get in an accident while driving your car. 

How Important Is Your Car’s Upkeep?

Even the safest drivers can be victims of an accident and require auto repairs. Plus, collisions aside, your car is bound to need maintenance at one point or another. If you’re determined to get only the best service and parts for your car, it could be worth your while to get auto repair coverage, or mechanical breakdown coverage. If you’re not particularly concerned about the appearance of your car, you may be able to save some money in these areas. Wondering exactly how much coverage you should get? Your agent at Hull Maynard Hersey Insurance can walk you through your options and find the best fit for your individual needs. 

What Kind of Car Do You Have?

The type of vehicle you drive makes a big difference for your insurance rates. Certain cars can carry higher insurance rates, such as expensive sports cars, modified vehicles like hotrods, or specialty classic cars. Some antique or custom cars even need a separate policy that specifically covers these types of vehicles. Conversely, some safety features in your daily driver could lower your insurance rates.  

How Clean is Your Driving Record?

Your history behind the wheel can have a major impact on your auto insurance policy. Drivers with several tickets, accidents, or other charges may have to pay higher rates, while drivers with a clean record may enjoy lower costs for the same insurance. Your Hull Maynard Hersey Insurance agent can review your record with you and help you choose an affordable auto insurance policy. 

Our auto insurance policies at Hull Maynard Hersey Insurance can cover all your car-related needs. Because we are an independent insurance provider with policies from several trusted carriers available, we have the flexibility to pair you with just the right coverage for your needs. For more information about our auto insurance policies or to request a free quote, contact our friendly team today or get a free auto insurance quote on our website. 

About the Author

Jill Maynard-Nolan
President at Hull Maynard Hersey Insurance
Jill Maynard Nolan is the president of Hull Maynard Hersey Insurance. Jill has been in the insurance industry since 1991, following in her father’s footsteps - Hull Maynard. Jill and her team is dedicated to provide the customer service you need to feel comfortable and confident purchasing any type of insurance you might need.

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