Category: Auto Insurance

Motorists need to understand how important it is to make the right decisions when choosing auto insurance. If you’re looking for an auto insurance policy in New Orleans, LA, we can assist you at MultiSurance. 

The following are four rules that you should follow when you buy auto insurance:

Understand what exclusions are in effect on your policy

There may be some exclusions in the effect of your policy. For example, your policy might exclude coverage if your vehicle is involved in an accident while someone other than you is driving.

Make sure you’re aware of any policy exclusions and address them by adding on the excluded coverage when possible. 

Make sure you have an emergency fund to cover your deductible

Your insurance coverage kicks in after you file a claim when you pay the deductible. This makes it very important for you to have at least the deductible amount available in an emergency fund so that you’re prepared when accidents happen. 

Explore your options

You need to shop around and get quotes from several auto insurance companies if you want to get the best policy available. Research auto insurance providers in your area and choose a few companies to get a quote from. You can then evaluate the quotes you get and decide which option is best for your situation. 

Consider changes to your auto insurance needs as time goes on

Changes over time to your vehicle’s value or your financial situation could make it so that you want to adjust your auto insurance policy coverage. That’s why you should reevaluate the terms of your policy each time you renew your coverage. 

We Are Here To Help

Call us today at MultiSurance to get a quote on an auto insurance policy in New Orleans, LA. 

When it comes time to shop for auto insurance, there will be numerous questions you must answer for each carrier you want to get a quote from. Though these questions may seem like a nuisance, they are actually vital to determine what coverage options you need and the premiums you’ll pay for those options. To help drivers in New Orleans, LA better understand the reasoning and importance behind these questions, the team at MultiSurance is here to help.

Why Are Auto Insurance Application Questions So Important?

In the most basic sense, auto insurance companies will ask you a variety of questions to help them accurately assess your risk level. Your risk level allows them to adjust the price you pay for insurance coverage based on how much coverage you need and how likely you are to use it. It simply wouldn’t be fair to charge a low-risk driver the same amount as someone with a history of accidents or tickets. 

The Types of Questions You Can Expect to Be Asked

• What’s your full name, date of birth, driver’s license number, and address?
• What’s your marital and employment status?
• What’s your vehicle’s year, make, model, license plate number, VIN number, and odometer reading?
• Any accidents or tickets within the past 5-7 years?
• What’s the average mileage you drive in a year?
• Do you have an insurance policy currently?

Looking for Auto Insurance? Contact Us Today!

Though it may seem time-consuming and tedious, it’s vital that you take the time to give honest answers to all of the questions your car insurance company asks. Drivers in New Orleans, LA can count on the team at MultiSurance to help you find the right coverage at the right price. Contact us today to learn more or receive a quote!