What You Need to Know Before Renewing Your Auto Insurance

Here’s what you need to know before renewing your auto insurance.

The start of the new year means that it might soon be time to start thinking about renewing your auto insurance.  However, before your insurer sends you your policy renewal information, there are some things that you need to know.  Here are some questions you should ask before you renew your auto policy.

What can I do to lower my premiums?

No one wants to pay more for their car insurance than they have to.  That’s why it’s important to find out what steps you can take to reduce your insurance rates.  For instance, inquire about all possible auto insurance discounts that you might qualify for.  Even if you’ve asked about discounted rates before, it never hurts to ask again.  Policy changes might mean there are now more discounts than there were previously.

Have my circumstances or driving habits changed?

This is a question you need to ask yourself before you go to renew an existing policy.  If you’ve purchased a new car, added or removed a driver from your policy, or changed your driving habits in some way, then this is information you need to report to your insurance provider.  Your changing circumstances might mean you need to update the amount of coverage your policy provides before you renew it.

Can I use a repair shop of my choice?

Normally, auto insurers have a list of repair shops that they are willing to work with.  However, if your preferred mechanic isn’t on this list, then you might want to consider asking if you can get a policy with a provision that allows you to use any repair shop or mechanic that you please.  This freedom will give you some peace of mind if your car does ever require repairs.

These are some of the things you need to ask before renewing your auto insurance.  For assistance with any of your insurance concerns, contact the experts at Valley West Insurance.  Our dedicated team is ready to assist you with all your insurance needs.

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