September 15, 2015

When Do You Have To Change Your Auto Insurance Coverage?

Protection of car. Business concept.

Car Insurance Changes

Investing in the right auto insurance policy is the best way to make sure that you are safe from any unfortunate situation you may face on the road. However, once you sign up for a policy, it does not mean that you should stick with the same coverage options. Some of the most common auto insurance changes that you may run into over the life of your policy include:

  • Adding a covered driver – if your teen gets their license, they will need to be protected with an auto insurance policy. While you do have the option to put them on their own policy, adding their name as a covered driver onto your policy is typically a less expensive option. That is not to say that adding your teen to your coverage will come cheap. Teen drivers are some of the riskiest drivers on the road, leading to high car insurance costs.
  • Getting a ticket – while your first minor traffic violations will most likely not affect your auto insurance rates, your next ticket will. The type of ticket you get will help to determine just how much you will be shelling out each month for your coverage. The more severe the ticket, the higher the rate increase will be.
  • Getting into an accident – getting into multiple accidents in a single year makes you a risky driver in the eyes of your auto insurance company. Depending on the number of accidents you are in, you may even have to switch your coverage to high-risk auto insurance coverage.

For all of your auto insurance coverage needs, contact the insurance professionals at Brewer-Lloyd Insurance Group in Mesa, Arizona. We will work closely with you to make any changes to your car insurance coverage as simple as possible.