It has that wonderful new-car smell, it comes with plenty of leg room for all your little ones, and it’s spacious enough to get all of your camping gear without feeling confined for a single moment. It’s a great feeling when you get that awesome ride for you and your youngsters, as you can already envision all the adventures that lie ahead. However, owning a car, especially when you use it to take your kids to school or soccer practice every day, let alone those lengthy trips, comes with a high level of responsibility.
It takes time to get to know your car, to learn how often you need to fill the tank, how well it handles weather changes, and how reliable it is on the road. But all of those factors aside, having a peace of mind means insuring your car properly and for all those specific family needs you’ll have. So, before you schedule your first test fishing trip ride, let’s see how you can pick the right insurance and enjoy your family car hassle-free!
Much like with anything else you want to buy and use every day, and especially something as important as this particular safety feature, you want to see how happy other customers may be with any given insurance policy. Talk to your friends and family about their own insurances and see what perks they have, and if any of them are suitable for your own family.
On the other hand, talking to independent repair shops can be another way to learn useful information. They won’t benefit personally whether you go to one insurance company or another, and they have plenty of first-hand experience when it comes to people who have filed claims with many of them. You should always go for financially stable, reliable names in the business, even if some of their rates might be slightly higher.
Check for pricing options
Now that we’re on the topic of pricing, one could assume that the highest price always comes with the most perks, but since you have a specific situation, learning more about your price options depending on the package can make a difference in choosing the right policy.
The key here is not to be lazy or quick to make the call – use this time to get at least three or more quotes from different agencies, in order to evaluate which one fits your budget as well as your needs. Maybe the initial rate could be higher for a particular company, but they might offer reward programs for reliable drivers, or discounts on joint insurance for spouses. Check all the boxes with your insurance quotes before you eliminate your options.
Prioritize your needs
Every family is different, and as you get to know your first family car, you can already understand what you will need your policy to contain both in order to keep it affordable, and to increase safety. Have your car evaluated for its existing safety features and consider all the situations when you’ll be using it. What would an ideal policy ensure in addition to cost-effectiveness for your wallet?
Perhaps a fast-responding customer service for any of your inquires, or a more flexible policy that gives you more wiggle-room in case an unwanted situation occurs. Depending on where you live, you will see if it’s best to focus on fire and hazard protection, or burglary and theft. All these factors will affect the final price range, so make sure to cover your bases and discuss them with your insurance agent.
Know your insurance basics
We’ve already established that there is no templated solution for all family cars, and considering your own situation, you should also start a conversation by getting educated about the basics of each insurance policy. Make sure you know what the legal minimum is for your country, as having third-party protection often is the starting point for each policy. However, you should also protect your family and your vehicle with insurance that gives you access to a courtesy car in case your needs fixing, as well as a rescue service for those unexpected mishaps on the road.
Essentials such as windscreen repairs and replacements and lost or stolen keys are other details to keep in mind, but when it comes to your personal belongings, each policy comes with a different minimum rate they cover. All in all, education is key before you start a conversation with your chosen insurance agency, and it’s best to armed with information so that you find that ideal policy for your new family car!