5 Steps to Take When Shopping for Auto Insurance

Do you live in Washington? If so, chances are you use a car as your main form of transportation. But although driving your own vehicle can be nice and convenient, you need to be aware of the threats out there that can be serious if you’re unprepared for them. That is why Capital Insurance in Spokane, WA offers auto insurance, which provides you with financial protection when an unforeseen event, such as theft, vandalism, or a car accident, occurs. 

But you may be asking, “What are the steps I need to take when shopping for auto insurance?” Thankfully, we have all the steps laid out for you so you can make the best decision for your auto insurance needs.   

5 Steps to Take When Shopping for Auto Insurance

1. Determine what type of coverage you need 

In Washington, required auto insurance includes bodily injury liability coverage, basic personal injury protection, and property damage liability coverage, among others. 

You can also elect to add optional coverages to your policy, which further protect you from damages or losses. These may include comprehensive, collision, emergency roadside assistance, rental reimbursement, and others. 

2. Make sure your insurance company is authorized 

In addition to researching the types of coverage out there, you also need to do your due diligence when it comes to your insurance company and the agent you’re working with. 

Luckily for you, Capital Insurance is a well-respected company represented by a team of experienced licensed insurance agents. You certainly can count on our agents, who are strongly committed to ensuring your safety and wellbeing. 

3. Have all the details of your vehicle available 

These details include the make and model of your vehicle, the number of miles you drive on a daily basis, and whether your vehicle is used for personal or business purposes. 

Your insurance company will consider these factors, as well as other pieces of information when determining your auto insurance rate. 

4. Answer questions about your driving record accurately 

This information, too, will be key when determining the rate of your auto insurance policy. 

Factors that your insurance company will take into consideration include: 

  • Whether you’ve had continuous auto coverage 
  • Your accident history 
  • Your level of driving experience  

The company will also consider your age, gender, location, and marital status, so make sure you have all your driving record and personal information at hand. 

5. Shop for price and customer service 

Hire an insurer that provides top-of-the-line customer service and has your best interests at heart. And, once you’ve found an insurance provider, make sure you purchase auto insurance coverage that helps you meet your budget goals while ensuring you’re well protected. 

Give Us A Call

If you’re looking for affordable auto insurance that meets your needs, Capital Insurance in Spokane, WA has your back. For more information about our auto insurance and other services, contact us at 509-324-1398 and we’ll get in touch with you about your insurance options.