Some states have minimums, which every policy must meet. Unfortunately the state minimums may not meet your needs. It is important to visit with your agent and discuss your policy and its features. Make sure your policy includes all the benefits you need covered in section A of this article. Your driving record may not be the only factor for your insurance premiums.
Many companies specialize in different markets.
If you have a less than perfect driving record, your premiums may be less with an impaired Risk Auto Insurance Company than with a Standard Carrier. On the other hand, If your driving record is superb, you certainly don t want to be insured by a company that insures high-risk expensive drivers. Shop to several companies to save on your rates. If you never have claims and can afford a higher deductible, you should consider raising your deductible. This could save you hundreds of dollars on your insurance premiums.