Car insurance is a necessity for any motorist. Most states require you to have liability insurance coverage, and the right policy could make the difference in covering vehicle repair or replacement costs should you have an accident. Unfortunately, many drivers make simple mistakes that cost them money in the long run. Here are three common issues you should try to avoid.

What Not to do When It Comes to Car Insurance

1. Focusing on Discounts Rather Than Coverage

Discounts can be a great way to save money on your car insurance coverage, but they aren’t everything. Too many drivers focus on finding the lowest rate available without considering what their insurance will cover if they get into an accident. You don’t want to find yourself footing the majority of your repair bill because you thought a cheap insurance plan would get the job done.

2. Choosing a Deductible That’s Too Low

car insuranceYour deductible is the amount of money you need to pay out of pocket before insurance covers the rest of the expenses. This can range from $250 to over $1,000. A lower deductible will help you save more after an accident, but it also increases the total cost of your policy. Over time, you will likely save more by choosing a policy with a higher deductible.

3. Paying Monthly Premiums

Paying monthly premiums may seem like an easier fit for your budget, but it will actually cost you more. Most insurance companies charge interest and service fees when you make monthly payments. You can save a lot of money over time when you make bi-annual payments. However, be sure to budget appropriately for the months when these fees are due.


Whether you need help with car insurance or commercial liability insurance, you can rely on quality support from K.L. Smith Agency in Willimantic, CT. Since 1953, this family-owned and operated insurance agency offers a full suite of plans to help you protect your interests at a price you can afford. To learn more about their policies or to get a free no-obligation quote, visit them online or call (860) 423-9294.