The short answer is that you need to be aware of your needs. When investing in a car insurance policy, it’s a good idea to consider what you really need. It is very individual and there are many different options.
Should the insurance cover your own car or is it just as much? Can you afford a new car if your own gets totally damaged? Do you want road assistance if your car breaks down one day? If you are going on a car break in Europe, it might be a good idea to be covered at that point.
Should the insurance cover personal injury?
Especially consider this if you have children in the car. How high should your deductible be? It depends on whether you prefer a slightly higher fixed price or if you can afford a larger contingency if an accident occurs.
Make a list of your criteria. For example, a list might look like this:
- Personal injury is covered
- Maximum deductible of max. 3000 USD.
- Road Assistance throughout Europe
- Glass and fresh damage is covered
- Loan car needed
Based on the above requirements
It can be concluded that there is a need for a hull insurance containing these points. That way, it is easier to contact different insurance companies and ask for offers that are comparable. You can also choose the easy solution and have a website like Queequeg compare car insurance for you.
In addition, you should be aware that there may be differences when you are designated as an elite motorist in the various insurance companies. This may affect the price in the longer term.
Consider insurance already before buying a car
If the price means a lot to you, it’s worth considering which car to buy. The bigger the engine and the more accessories, the more expensive your car insurance will be.
If you are buying an old car, you may not have to worry about the expensive hull insurance, but may only have liability insurance with the purchase. Therefore, it may be a good idea to consider car insurance in your car purchase.