Common Questions to Ask Yourself When Buying Auto Insurance

​The type of vehicle you own, where you use your car, your budget dictates what kind of insurance will fit your needs. If you are planning to purchase auto insurance but still do not know where to begin, here are some of the common questions to ask yourself when buying one:

1. How much do you drive?
   Do you use your car every single day? Or do you sometimes commute to work and use the vehicle only when you drive your kids to school? Do you drive 100 miles, 1,000 miles, or more every month? You should make sure that you consider how much you drive your car when getting auto insurance. If you don't drive much a day, you might opt to buy mileage-based insurance. 
   
   
2. Are you going to use your car for work?
   If you use your car for work such as delivering pizza, ride-sharing services or driving as a courier, then you should get commercial auto insurance. If you use personal auto policy, you might not get covered in case of accidents during your business transports. 
   
   
3. What kind of car do you drive?
   Insuring companies for cars have tons of data with enough details of the type of car, the engines, models, and other car parts that might incur claims more than usual. For example, a flashy sports car has a more powerful and expensive engine that is most likely to be stolen. Hence, having some parts get stolen will still let the insuring company cover for it. 
   
   Further, classic or modified cars have a special type of insurance. If you want to save on auto insurance, we suggest that you buy the ones that are newly released models with updated auto parts. 
   
   
4. Where do you park your car at your home? 
   Your address will significantly impact your auto insurance price. For example, if you park your car in front of your porch or the street in a crowded city, you are more prone to vandalism or theft. This incurs the higher chance of claiming, thus higher rates of auto insurance will also be given to you. To lower down your premium rate, moving from a city to a suburb will be of great help. 

At Arnold, Bruce & Doerfler Insurance, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (503) 222-1951. You can also request a free quote by CLICKING HERE.