Reader’s Question:

I am a new driver. I’m quite hesitant when shopping for cheap auto car insurance because I’m afraid that I may be mislead into getting something I don’t need at all. Can you give me some tips that I need to do when buying car insurance policy?

Eden

Sioux Falls, SD

These are some of the tips (if I may add important tips) that my mom advised me when I was getting my cheap auto car insurance for the first time:

First, if you are getting you car insurance policy from a car insurance agent, bear in mind that he is not a friend. I am not saying that you go ahead and treat him like an enemy. What I’m trying to say is for you to realize that he’s there to sell you something because that is how he’s gonna generate his income from. So, he may end up selling you something you don’t really need.

Second, request for an updated copy of your driving record. If you were involved in some traffic violations and you’ve already paid the tickets or have enrolled in driving school to have those tickets removed from you record, make sure those do not reflect in your records anymore;

Third, always remember that the higher the deductible the lower the car insurance rates.

Fourth, give truthful information. Do not even attempt to lie about your driving history because you auto insurance company will surely verify that;

Fifth, avoid getting collision or comprehensive coverage if you’re driving an old car. The rule of the thumb is simple, if the current value of your car is less 10 times of the amount you’re paying for your premiums, then it’s useless to even add those coverages in your policy;

For more information about getting cheap auto car insurance you may check with you department of insurance.