Buyer’s Remorse – How to Avoid It Before Buying Car Insurance

By the Farnsworth Agency

BEND, Ore, – In today’s world there’s so many choices for car insurance that it’s almost easy to have “buyer’s remorse” after choosing a car insurance policy because you might find another company later that offers a lower rate.

If you’ve been planning on buying car insurance or getting a new policy, this article will provide you with a list of questions you should ask before you choose a car insurance policy.

Questions to Ask Before Buying Car Insurance

What level of car insurance do I want?

These days, car insurance can be much more affordable and better tailored to suit the buyer’s needs. This is why it’s essential that you know exactly what you want and need from your insurer. Comprehensive car insurance covers you from theft, hijackings, damage caused by accidents (or intention), third-party liability, natural disasters and even fires and explosions. If you’re looking for a plan that covers you only in the event of a hijacking, theft or a write-off, certain insurers provide total loss cover, which would be a good option for you. There are other options that may be better suited to your budget, so make sure you consider this before making your final decision.

What is my risk assessment?

Your car insurance premium will be based on many factors, such as your age or how long you’ve had your driver’s license. Many insurance companies believe that driving risk reduces with age. If you’re under 25 years of age, you will typically pay a higher premium than someone older. Your premium will, however, reduce as you get older and more experienced on the road.

Where is my car parked at night?

If your car is parked on the street at night, the risk of theft is higher and the insurance is, therefore, more costly. You should, perhaps, also consider more comprehensive cover.

Who will be driving my car?

If a family member will be driving your car regularly or occasionally, your insurer may need to know this, as it could affect the claims process in the event of an accident. Make sure you disclose who the person is who drives the insured car most often to avoid a situation where the insurer disputes your claim based on incorrect information on your policy schedule.

Get Car Insurance Here

For affordable car insurance in Bend, Redmond, Prineville or elsewhere in Oregon, contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to connect with us online.


Get a car insurance quote by contacting us today!

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