Remember when auto insurance was offered solely through one of your local insurance providers? It is rare to find a wide variety of companies who specialize in auto insurance, especially companies who offer add-on’s specific to your needs. Now you see a plethora of insurance companies with options that fit basic and specific needs, no matter where you are in the world, and this can get confusing. When you’re searching “auto insurance near me”, you should stick with some basic principles to avoid confusion so you can get the most out of your insurance plan.

What to Know When Searching for Auto Insurance

Your car insurance should cover more than just driving from point A to point B. This insurance plan needs to be personal and curated to fit your lifestyle. Searching for the best auto insurance deal online will not only confuse you, it will limit your familiarity with what you actually need. It’s important to understand the types of insurance coverage before you search, “auto insurance near me”. The core of your coverage should look like this:

  • Collision – Collision covers the damage/loss of your own vehicle, whether it be from an accident, damage from weather conditions, or theft. If the repair costs exceed the value of the vehicle, your insurance company could declare your vehicle a total loss and write you a check that’s worth the vehicle’s value.
  • Uninsured or Underinsured Motorist – This type of coverage also helps the portion of damages when an uninsured motorist is at fault or their coverage will not cover all of the damages.
  • Medical or Personal Injury Protection – This kind of protection coverage isn’t available in every state, but may be worth looking into. This highly advantageous coverage protects you and the other party regardless of the fault, whether you have medical insurance or not. This kind of protection covers funeral costs, lost wages, other medical expenses and much more.
  • Liability and Comprehensive – Depending on if your state has ‘no fault’ laws, this will determine whether you need mandatory third party liability coverage. This type of coverage protects you should you cause an accident that injures another person or their property. Liability insurance will help cover all of the pain and suffering costs that accompany bodily injury.

The Best Auto Insurance Site

You’ve seen commercials and are bombarded with the big-name sites on television and the internet. But it’s not “one size fits all” when it comes to you and your family. To find the best affordable auto insurance website, you need to do a search around your geographical area. A top rated insurer will not only specialize in what you need, but they know the town demographic.


Other Aspects to Consider

With hundreds of thousands of vehicles on the market, each vehicle requires a different insurance policy and their add-ons. It’s important to give your insurer all of the information about your vehicle so you can get the best coverage. When searching, “auto insurance near me”, you’ll probably see a barrage of local insurance companies who specialize in auto insurance. Choose wisely and keep in mind how much coverage you need for yourself, your family and your car, as well as how much you can afford. Before choosing an insurer, bear in mind that a cheaper rate doesn’t mean you’re getting everything you need. Make sure you have all of your information and questions ready for the insurer.

That being said, shopping online for the best affordable car insurance for you and your family might be tricky. Depending on where you reside, each state has its own set of rules and regulations. Choose a company that has the highest rating in your area and  is willing to find you exactly what you need for your budget. Triple L insurance helps you find the most affordable homeowners, flood, renter’s, and vehicle insurance in the Florida area. Contact them today for a free quote!