You just purchased a car and now it is time to insure it. Sounds easy, right? Choosing the right kind of North Carolina auto insurance requires the same amount of homework you did when deciding what car to purchase. From the outside looking in, car insurance policies may all look the same and all the ads claim to have the lowest price, best customer service, etc. but do they really? The answer is NO, so let’s go over 5 mistakes drivers make when buying auto insurance.
(1) Buying from an Employee of an Insurance Company
Choosing the right type of North Carolina auto insurance is important especially if you are involved in an auto accident. Never consult with an employee of an insurance company. Instead, always consult with a local independent agent who has your best interest at heart. The independent insurance agent works for YOU and can shop your insurance rates with many of the top insurance companies to find you the most coverage for your budget. This saves you time and money!
(2) Buying Low Liability Limits
North Carolina mandates that you carry a minimum amount of liability insurance on your vehicle; however, choosing to purchase the bare minimum may seem like the best avenue for saving money, but in the end could end up costing you more. If you are involved in a serious auto accident for which you are legally liable, you could be sued for anything above and beyond the payout of your N.C. minimum limits of liability.
(3) Buying Auto and Home Insurance from 2 Different Insurance Companies
You may not be aware of this, but most insurance companies will give you a reduction in premium if you choose to bundle both your home and auto insurance under one big roof. It will save you time and money to deal with just one insurance company for all of your insurance needs.
(4) Buying Based on Low Cost
The cheapest route isn’t always the best route. By sacrificing cost, you may end up with poor customer service, inexperienced employees, higher deductibles, or inadequate coverage. Diligently choose your North Carolina auto insurance based on your budget and the coverage it provides.
(5) Buying Auto Insurance Without Consulting with an Independent Agent
An independent agent will work with you and for you, not the insurance company. An independent agent wants to provide you with the right type of insurance you need for your auto at the best price. The independent agent can shop your coverages to find this for you.
It pays to do your homework on purchasing N.C. auto insurance. Paramount Insurance Agency is a North Carolina independent insurance agency that is here to assist you with all of your questions regarding auto insurance. Call today at 866-869-3335 so we can find the RIGHT N.C. auto insurance for you.