For every driver, auto insurance is a vital necessity. Since there are so many confusing coverage choices, it can be challenging to find the right car insurance policy. Before purchasing auto insurance, it is important to identify your specific needs and to understand the factors that affect insurance rates.

Important Coverage Considerations

Becoming informed about different insurance options will help an agent design a policy that is suited to your individual needs.

Auto insurance coverage rates and limits are affected by a variety of factors:

• Driving Record: The single most important element in establishing auto insurance rates is the record of the driver. The loss of good driver discounts due to a speeding ticket can raise rates by as much as 25%. The consequences of a second ticket can result in an increase as high as 50%.

• Policy Consolidation: Many insurers offer significant discounts for customers that carry all of their policies through a single provider. Those who bundle home, life, auto, and health insurance policies with the same company will receive a substantial rate reduction. There are also added advantages such as working with one insurance agent, avoiding redundant payments, and only dealing with a single customer service department.

• Vehicle Alarms: To get the best rates on auto insurance, Wayne and Westland residents should consider installing an auto alarm. Where a vehicle is parked at night and whether it is garaged will also affect coverage rates. Vehicles with an upgraded alarm system can qualify for premium discounts up to 10%.

• Select Coverage Carefully: Before purchasing a policy, it is critical to assess your driving habits, annual mileage, and driving record. There are numerous services offered by insurers such as roadside assistance and towing that may not be necessary for every driver. As vehicles continue to age, some owners may consider reducing their collision coverage. This may be appropriate in cases where the vehicle has no associated auto loan.

Although raising the insurance deductible can lower rates, the owner should consider the additional out of pocket expenses that will result in the event of an accident.

Competitive Auto Insurance

Talking directly to a local AAA auto insurance representative can offer insight into different policy and coverage options. These professionals work with their customers to design auto insurance plans that combine the best coverage with the lowest possible premiums.