5 Essential Things to Know About Car Insurance

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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Pardeep

21 years of experience
863 reviews
Pardeep
21 years of experience
Ford Fusion - 75 Point Safety Inspection - San Jose, California
I have ordered a 75-point inspection of the car since my dealership claimed it had an oil leak and the timing cover replacement was due (this kind of repair costs in the ballpark of a thousand dollars). I mentioned the need for a second opinion on that since the car had been bought relatively recently from that dealer (certified pre-owned) and not very actively used. Pradeep performed the safety inspection in a very timely manner and addressed my main question by honestly concluding that there was no leak but just some dust collected over time. This has saved me much time and money. Finally, I was also very glad to learn a tip on how to find a matching paint for a body scratch from him.
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.

Honorio

19 years of experience
828 reviews
Honorio
19 years of experience
Hyundai Accent - 75 Point Safety Inspection - Sunnyvale, California
Honorio not only told me what is going on with the car but was so honest about everything. Looking forward to having Honorio taking car of my requests.
Acura RDX - 75 Point Safety Inspection - Palo Alto, California
Honorio went above and beyond my expectations. He was honest about which repairs needed to be done even though my service revision decreased his income. Will absolutely use again!!!! Thank you!

Robert

4 years of experience
51 reviews
Robert
4 years of experience
Nissan Versa - 75 Point Safety Inspection - Lakewood, Washington
Robert is a rockstar. I can't express enough (again) the quality of his work and his ability to work around our schedules here. Honest, professional and courteous. I would recommend his services to any and everyone.

Juan

12 years of experience
29 reviews
Juan
12 years of experience
Mazda Protege5 - 75 Point Safety Inspection - Vacaville, California
Professional, clear, & courteous when discussing results of inspection & recommendations going forward. If I still live in the area when I need to do future services, will definitely book again.

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