Owning a car is great but it also comes with certain responsibilities. One of them is getting proper auto insurance. Car insurance is not only a legal requirement but is also protection of you, as a driver, and other parties, including other drivers, passengers, and pedestrians. Finding perfect insurance based on your budget and needs might be hard. Therefore, Keltner Insurance serving clients in Memphis, TN prepared a short guide with a few tips on getting a perfect car insurance plan:

1. Consider the condition and age of your car

If your vehicle is 10 years and older, not in the best shape, or has high mileage, you may not need full coverage. However, if this is your only car and losing it will be a significant financial hardship for you, you still should consider having full coverage. In order to make the right decision, it is one of the first things you will need to discuss with your insurance agent. 

2. Check Loan or Lease Conditions

If you have recently purchased or leased a new car, you may have to have full coverage on the vehicle. Failing to do so might result in high penalties. Therefore, make sure you read the loan or lease conditions carefully before getting certain coverage. 

3. Shop Around

Even if you found a great car insurance plan, it is still recommended to shop around and compare at least three offers from different insurance companies. You can also seek out relatives and friends for their experiences with their insurance companies, especially if they have filed a claim. 

Finding a perfect car insurance policy for your vehicle is a challenging task. Therefore, Keltner Insurance would like to assist you and help you to make an informed decision. Our clients’ satisfaction is the number one priority for us, so we always do our best to find a perfect insurance plan for each of our clients. If you are a resident of Memphis, TN or any surrounding area, give us a call to discuss the options with our insurance agent.