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A. L. Saland Insurance Solutions, Inc Blog

3 Things to Know Before Buying Automobile Insurance

Buying automobile insurance in Land O Lakes, Florida is not only a way to protect you, your passengers, and your vehicle while driving, but it is also illegal to operate a motor vehicle without it. If you are new to buying automobile insurance the various options may seem overwhelming, so A. L. Saland Insurance Solutions Inc. has put together a few things you should know before you buy automobile insurance.

The Different Types of Policies

Doing your homework is one of the most important things to do before purchasing automobile insurance. There are a variety of different types of coverage, including liability, comprehensive, collision, and a number of “specialty” options. The best way to determine which option is the best for you and your needs is to talk with a representative from the insurance provider you are considering.

How Much Coverage Do You Need?

There are a number of factors to consider when determining the amount of coverage you’ll need. For instance, you’ll need to consider where you drive, such as to work or only for personal errands, how much you drive (approximate miles), and if you are leasing, financing or own your vehicle. The answers to these questions will help you and your insurance provider determine how much coverage you’ll need.

One of the most common questions people have when it comes to their insurance coverage is does a higher deductible lower your premium? The simple answer is yes; however, a higher deductible also means that if you are involved in an accident, you will be paying more out-of-pocket for costs of repairs. For this reason, it is important to make sure you are financially stable should you ever find yourself in a situation where you will need to pay out-of-pocket for repairs.

Residents in Land O Lakes, Florida that want to learn more information about their current or possible automobile insurance policy should contact A. L. Saland Insurance Solutions Inc.

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