CNET Recommends Knowing 5 Things Before Getting Car Insurance

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Despite what you may have been told, car insurance is not an optional element of driving–in fact, in 48 states, it is required by law to carry car insurance if you are a driver.
While there are many options for drivers looking for coverage, sifting through all those options and evaluating which is best for you can take a lot of time. Factoring in cost, premiums and other benefits? Almost impossible to track unless you’re a superhuman (in which case, can we hire you?).
That’s where Jerry comes in. By providing a few personal details, you can discover how to save money on insurance through bundles and discounts, and you can comparison shop to get the right deal for you.
If you’re interested in evaluating your own car insurance options, use Jerry as a starting off point, and keep these five things CNET tells us in mind as you search and shop.
Three friends at a computer doing research in a white computer laboratory.
Make sure to do your research before buying car insurance.

What coverage does your state require?

It’s important to know what kind of coverage your state legally requires you to have. In most states, bodily injury liability coverage and property damage liability are necessary to drive, but check the specifics of insurance premiums with auto insurance providers where you live.
If you drive a classic car, you should also check with your insurance company to make sure it also classifies your car as such; that could impact your insurance rate and the coverage you’re required to carry.

What coverage do you want?

Most car insurance companies offer different policies, each with different coverage options that cover a variety of damages and risks. Consider your risks and how to compensate for them, but also think about your strengths.
Some insurance companies reward you with discounts for being a good, safe driver or never speeding. Jerry highlights these programs for you so you never have to worry about missing out on the best deal.

Which car insurance companies are best?

It can be a challenge to sift through insurance options, policies, and benefits galore. Thankfully, there are tools you can use to make the process easier and less of a headache.
Ultimately, you want to select the policy that will give you the best coverage at the best price–which is exactly what Jerry was built to do.
As a licensed broker, Jerry can help you choose plans, switch plans, and even cancel your old policy. It also automatically sends you new quotes every time your policy is up for renewal so you’re always getting the coverage you want at the best price.

Have you shopped around?

Even the cheapest car insurance company might not be able to offer the best insurance rates for your particular situation. Maybe you have bad credit, or an old DUI or DWI charge, or maybe you just live in a state with a lot of mandatory insurance coverage requirements.
If you want to understand how some of these things can affect your car insurance rates, Jerry has all the information you need. It can also help you find affordable rates and competitive quotes, no matter your particular situation.

What payment plan is best for you?

Some companies offer a variety of ways to pay, such as annually, monthly, or with a transfer of electronic funds. If you have a preferred method of payment, it’s never been easier to arrange it online so you can ensure you are always covered and able to legally operate a vehicle.
Choosing the right car insurance can be a daunting task. With so many companies, policies, and options on the market, it can feel impossible to confidently choose a policy knowing that you’re with the right company and paying the least amount of money possible.
With Jerry’s help, you can hit the road confident in your policy, coverage, and finances, while also having the security of knowing you can choose a cheaper policy every time yours comes up for renewal.

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