5 Essential Things to Know About Car Insurance

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Whether you have a brand new beauty or an older beast, you have to have car insurance if you plan to drive on the road. Before you run out and choose the cheapest option around, there are a few essential things you need to know so you don’t get burned later.

Consider the Danger of Minimums

Car insurance can be expensive, but beware before you simply choose the cheapest option. Cheaper rates are usually due to lower minimums, which could result in you having to pay out of pocket if your coverages won’t cover the entire cost of fixing the other vehicle. You’ll also need to check with your state to see what the minimum requirements are, and then go a bit higher.

Deductibles Matter

When you choose a higher deductible, you often lower your car insurance rates considerably. However, take a moment to consider your finances. If you’re in an accident, will you have $1,000 on hand that you can use to pay for the repairs until the deductible is met? Generally, most can’t afford to come out of pocket if there is an accident – so take a lower deductible to protect yourself even more later.

What Is Included

You will need to read available plans carefully to see what is covered. One major thing to consider is whether the insurance provides a loaner car. If not, you’ll be without wheels until yours is fixed if you don’t have any other vehicle. While most charge an additional fee for the service, it’s typically cheaper than renting a car on your own.

Lapses Can Cost You

If you’re shopping around, make sure you do it before your current car insurance runs out. Letting one policy lapse before you start another can cause your rates to increase. Additionally, it could cause some providers to deny you coverage as well.

Provider Cancellation

Your car insurance provider can cancel your policy or refuse to renew it at any time. If you lose your license, file too many claims or they discover you lied about something on the application, it’s the company’s choice to drop you. Make sure you’re truthful, and that you don’t try to take advantage of the system by filing repeated claims.

Car insurance is a requirement, but it also protects you and your assets if you’re ever in an accident. If you’ve been in an accident, even a minor one, contact YourMechanic for a safety inspection to make sure there aren’t any major issues.


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Recent 75 Point Safety Inspection reviews

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YourMechanic 75 Point Safety Inspection Service

Average Rating

4.8/5

Number of Reviews

370

Rating Summary
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Mario

18 years of experience
101 reviews
Mario
18 years of experience
Honda Prelude - 75 Point Safety Inspection - Fort Myers, Florida
on Arrival he introduced himself. Extended his hand with a warm and welcoming shake as he addressed me my name. Mario got right to work. He looked at everyThing under the hood. Then he Showed me and explained The discoveries that needed attention and repairs. He is soKnowledgeable and veryCourteous. I will beUsing Mario for all the needs, repairs for/to my Honda Prelude. I highly recommend Mario! He is an ace!!!
Dodge Avenger - 75 Point Safety Inspection - Fort Myers, Florida
I scheduled for work to be done to replace my vehicle's serpentine belt, pulley, and tensioner ('cause Firestone said that it needed to be "replace"). When Mario arrived and checked the belt, he was very honest and informed me that the serpentine belt did not need to be replaced. He showed me the serpentine belt and pointed out that it did not have any cracks. It didn't need to be replaced for "preventive maintenance" either. I appreciate his honesty and the time that he took to show me other issues (that Firestone failed to mention) and explained it.

Jerimiah

17 years of experience
324 reviews
Jerimiah
17 years of experience
BMW 528i - 75 Point Safety Inspection - Las Vegas, Nevada
Fantastic....There is a lot of work needed. He informed me that I needed work done on my control arm which was replaced in Dec 2018 by Big O Tires. Not sure how long they should last but I am pretty sure that I can get atleast a year. They replaced them(supposedly), but the issue continued after. Anyway, I am glad that Jeremiah pointed this out. Thank

Pardeep

19 years of experience
578 reviews
Pardeep
19 years of experience
Ford Escape - 75 Point Safety Inspection - San Jose, California
Pradeep immediately found the suspension problem I was worried about and fixed it. We had just purchased this car and now feel a lot better about it now that he has checked it out.

Alexander

18 years of experience
58 reviews
Alexander
18 years of experience
Toyota Sequoia - 75 Point Safety Inspection - Kissimmee, Florida
Look at issue with my vehicle. Quickly diagnosed the problem, which actually saved me some money. Problem was fixed and vehicle running in less than one hour. Suggested other things I should due to keep vehicle in running shape.

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