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  • Writer's pictureJoyce Insurance

What To Consider When Getting Auto Insurance

Are you planning on getting an insurance policy for your vehicle? Great! Insurance coverage can help pay for the cost of repair or replacement of your car. It can also cover the cost of medical bills. However, there are some factors to consider when getting auto insurance. Here are some of them.

#1. How much driving you do

The insurance policy you decide on should reflect how much you use your car. Do you need your car for everyday activities like commuting to work or dropping the kids at school? Mileage-based insurance will be a better choice if you don’t drive a lot.

#2. The type of car you drive

Insurers have data in abundance, this enables them to figure out in precise detail what type of car, make and model is more or less likely to insure claims.

Your insurance will be priced according to how flashy and pricey your car is. In the same vein, you may receive discounts if you have a car deemed “safe”- one with a good safety record and the latest safety features.

#3. Where you live/park your car

Your insurance rates will be impacted by where you live - and it may factor in what coverage plan you purchase.

For example, vehicles parked on the street in urban areas face a more significant threat of vandalism or theft, so comprehensive coverage might be a better option. Moving from the city to the suburbs could significantly lower premium rates.

#4. Who else is driving the car

Generally, your insurance policy will cover the occasional driver that uses your car. However, it should be listed on your policy if other drivers use your car- either a housemate, spouse, or teen driver.

#5. Your legal obligations

Minimum liability coverage for your car is required by almost every state. At the very least, you need to make sure your policy complies with state mandates.

The levels of required coverage are, however, generally pretty low. Consider that you may be sued for a large sum of money if you’re involved in a severe accident.

You’ll want to purchase a higher level of liability coverage to be on the safe side, depending on your financial risk tolerance and assets.

#6. If your car is leased or financed

You’ll most likely be required to insure your vehicle for its total value - and for any gap between the vehicle’s market value and what you owe if you still owe money on your vehicle or have to return it in good condition when a lease expires.

Damage to your car will be covered by collision and comprehensive, and the rest will be covered by supplemental gap insurance.


Remember that age, driving record, and gender affect your insurance cost and options. You need to be aware too that your credit score can also impact your insurance rates.

You’ll be better prepared to make knowledgeable decisions about the levels and types of coverage to buy once you’ve looked at your priorities and needs and understood how the insurance options would match them.

Now that you know your auto insurance needs, contact Joyce Insurance Agency now for the most ideal coverage to protect you and your loved one on the road.



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