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How to buy the right car insurance for your lifestyle

7/13/2017

8 Comments

 
How much does your lifestyle influence your car insurance?
Answer: Quite a bit.
​
Having the right auto insurance can be just as important as having auto insurance at all. Depending on your lifestyle, you may have unique coverage needs to protect the people and things that are important to you. And your needs can change throughout your life.


So, whether you drive a semi-autonomous vehicle or a classic auto, have a baby or a puppy on board or spend your day driving an All-Terrain Vehicle (ATV) or a minivan, make sure your auto insurance fits your lifestyle when purchasing an insurance policy.
If you are a Tech Wiz, then consider:
  • Asking your agent about mobile device coverage. This would reimburse you for the cost of replacing your cell phone if it’s ever destroyed in a covered loss.
  • Higher limits or extra coverage, if you drive a semi-autonomous vehicle, to make sure the vehicle is properly restored after a covered loss.


If you're a Parent, then consider:
  • Car seat replacement coverage. If you have a baby or a young child, this optional coverage would help you with the cost of replacing a car seat that’s damaged in a covered loss.
  • Increasing your liability coverage if you sometimes shuttle your kids and their friends to school and other activities. It’s smart to have your liability coverage reflect the increased risk of additional passengers in your vehicle. Check with your agent to make sure your coverage is adequate.
  • Adding your teenage or young adult driver to your auto insurance policy. It is generally cheaper to add your children to your insurance policy than for them to purchase their own. And if they are going to be driving their own car, consider insuring it with the same insurance carrier so that you can get a multi car discount.
  • Talking with your agent about discounts. There are a multitude of discounts for young drivers. If your children move at least 100 miles from home to attend school (and leave the car at home), you may be able to get a discount for the time they are not around to drive the car. Also, encourage your kids to get good grades and to take a driver training course. Most companies will give discounts for getting above average grades in school and for taking recognized driving courses.
  • Making sure all drivers are listed correctly on your auto insurance policy.


If you are an Adventurer, then consider:
  • Getting insurance for your motorcycle, All-Terrain Vehicle (ATV) or Recreational Vehicle (RV). Talk to your agent about adding it to your auto policy.
  • Your love for the wide-open seas or local lake. If you own a boat, talk to your agent about coverage requirements, which can differ depending on the specific boat. Typically, boats need to be covered on your homeowners policy, not your auto policy.


If you are an Eco Advocate, then consider:
  • The carpool. Make sure your liability coverage reflects the extra passengers in your vehicle. Some coverages on your own auto policy follow you, for example, to cover injuries while riding in someone else’s car. But others, like damage to the vehicle, follow the vehicle. The Insurance Information Institute estimates that about 85% of frequent carpoolers do not adjust their auto insurance accordingly.


If you are a Semi-Professional or Professional Driver, then consider:
  • The benefits of a ridesharing endorsement if you work for an on-demand ride hailing company, like Uber or Lyft.
  • Talking with your agent about commercial auto insurance if you own or operate a company-owned vehicle.


And everyone should think about:
  • Gap coverage if you have a loan or lease for your vehicle. In the event the vehicle is totaled, gap coverage will pay off the balance of the loan if you owe more on the vehicle than what it’s worth.
  • If you only want original parts used during an auto repair. If so, add original equipment manufacturer (OEM) coverage.
  • Whether you need to add or remove your spouse from your auto policy, if you get married or divorced.
  • If your pet rides in the vehicle with you. Ask about pet injury coverage and make sure you’re using a safety harness or crate to prevent injuries.
  • Asking your agent about rental car reimbursement coverage. If your vehicle ends up in the shop after a covered loss, and you’d rather not join a carpool, this would help reimburse you for a rental car.
You want to make sure you have the right insurance coverages in place. Should you have an auto claim, discrepancies in your policy—at their worst—can be found to be insurance fraud, which is against the law. And at a minimum, your claim could be denied if you don’t have coverage for the loss, costing you money.
And as your lifestyle changes, your coverage needs may change, too. Keep your agent informed so you have the right coverages for every stage in your life. There are many online tools to help you consider the kinds of questions to ask your agent, such as Insure U’s Life Stages tool or Ohio Department of Insurance’s Auto Insurance Toolkit.
Grange Insurance offers PinPoint Auto® personal auto insurance coverage that’s customizable to your lifestyle, budget and coverage needs. Talk to a local independent Grange agent for details on coverages and discounts. If the policy coverage descriptions in this article conflict with the language in the policy, the language in the policy applies.

Coverages described above may not be available in all states. Policies underwritten by Trustgard Insurance Company, Grange Indemnity Insurance Co, Grange Mutual Casualty Company, Grange Life, Grange of Michigan*, Grange Property and Casualty*. All companies are members of the Grange Mutual Casualty Group. WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL PREMIUM RATE FOR THE INSURANCE HEREIN ADVERTISED. 
*Not licensed in Pennsylvania.

Reference:
- Insurance Information Institute
-
https://www.grangeinsurance.com/tips/matching-car-insurance-to-your-lifestyle?utm_source=grangewire&utm_medium=email&utm_campaign=tips&utm_content=71217

8 Comments
Millie Hue link
5/9/2018 05:09:01 pm

My son is finally buying his own car which means that he will not be using our family car anymore for this date nights. I told him to don't forget to get an auto insurance because it is truly essential to any driver. He asked me what type of insurance should he get, but I can't answer him because I don't have any idea about the other types of insurance. But it really helped when you explained that there is one that can give mobile device coverage which would reimburse the mobile phone if it gets damaged or destroyed in a covered loss. Knowing that my kid is tech-savvy, I think this will fit him. Thanks!

Reply
Belt Insurance Agency
5/10/2018 06:56:37 am

Millie,

We are glad you enjoyed this blog post and appreciate your feedback! Feel free to call us at (740) 927-1469 for an auto quote for your son.

Thanks,
Belt Insurance

Reply
Arya Smith link
7/23/2018 09:37:06 pm

Thanks for pointing out that it is much affordable to add your child to your insurance policy than buying them their own. With that in mind, I will add my child to the auto insurance that I will be buying this week. We are going to buy our first family car ever, and my teenage son will also be driving because he knows how to drive after his uncle taught him how to. This information just gave me an idea that I don't have to buy his own insurance.

Reply
Sophia James link
9/12/2018 07:10:53 pm

I like that you talked about the pet injury coverage as well. Like you said, it will be necessary if you have a pet riding the car with you. This is perfect for me because I have a little dog that my best friend gave me when her dog gave birth. Since I will be taking it with me, it would be the best to also include it in the package. Thanks for the tips!

Reply
Joy Butler link
11/19/2018 01:53:31 pm

I never considered getting pet injury coverage added to my auto insurance. My dog, Spot is one of the most precious things in my life. He is a direct source of a lot of my happiness. I think that if anything were to happen to him in my car I wouldn't forgive myself, so I will definitely have to look into it.

Reply
Bree ward link
2/26/2019 09:27:13 pm

I like it when you pointed out if you become a parent, you might need a different set of insurance coverage like seat replacement coverage. I just bought a car and I have 2 kids. I want to make sure that I get the right insurance for all of us. It's best if I look for the best car insurance service that can cater to my needs. Thanks for the info.

Reply
Belt Insurance
2/27/2019 09:54:03 am

Millie,

We are glad you enjoyed this blog post and appreciate your feedback! Feel free to call us at (740) 927-1469 for an auto quote for you guys.

Thanks,
Belt Insurance

Reply
Greta James link
1/30/2020 09:22:09 am

I love that you talk about insuring your carpool so that if you get in an accident you and everyone else are covered. I have been thinking of getting my first car as I need to be able to pick my daughter up from charter school. I love trying to be eco-friendly, so I really appreciate your tips. I will have to look into different options that meet my needs.

Reply



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Belt Insurance Agency
30 S Township Rd Ste B
Pataskala, OH 43062
(740) 927-1469
Click Here to Email Us

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