auto insurance

5 Steps to Choosing the Right Auto Insurance

Having auto insurance in St. Albert is a must, as it protects you against significant financial loss in the event of an accident. Auto insurance is essentially a contract between you and a St. Albert insurance broker such as Grandin Agencies. On your end of the deal you pay for the insurance, and in return the company covers any agreed-upon losses, subject to your policy deductible. 

It is never recommended and, in fact, not even legal to operate a vehicle without auto insurance. Instead of signing up for just any policy, however, you should take these steps to ensure you find the right auto insurance for you:

1.) Decide on the level of coverage you need

Every vehicle operating in St. Albert needs auto insurance which covers, at the minimum, third party liability and accident benefits. This means that your insurance company will pay in case of a legal claim if you are responsible for an accident, and for the medical costs of vehicle occupants in the event of an injury.

On top of this you can also choose additional and optional coverage options such as comprehensive, collision, and specified perils coverage. Though not mandatory, these options should definitely be considered.

2.) Be aware of possible discounts

Always be aware of possible discounts that you can get to your insurance premiums and make sure your insurer knows you are eligible. You can benefit from having to pay less if you: insure more than one vehicle with the same company, bundle auto insurance with house insurance, maintain a good driving record, have a good credit score and much more.

3.) Consider your deductible

Your deductible amount represents how much you need to pay out of pocket in the event of an accident. For example, if you have a $500 deductible and require $2,000 in repairs, you'll have to pay the $500 and your insurance provider will cover the remaining $1,500. Choosing a higher deductible is one of the most effective ways of reducing your premium.

4.) Look into different payment options

Most people pay for their insurance every month, but there are other payment options available, such as paying for the entire policy at once. If you have enough to do so, you can look into these other payment options to see if it can save you some money on financing charges.

5.) Find a reliable insurance company

Finally, the main way to ensure that your insurance is right for you is to buy it from a reliable auto insurance broker in St. Albert that provides excellent customer service. Choose an insurance broker that comes highly recommended by friends and family and that offers flexible plans and payment options.

At Grandin Agencies we are confident that our St. Albert auto insurance plans can provide your vehicle with exactly the level of protection you need. Contact Grandin Insurance if you would like to learn more about your options, get any questions answered, or to receive an auto insurance quote.

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