The Do’s and Don’ts of Auto Insurance

The Trident Agency’s Do’s and Don’ts of Auto Insurance

  • Do:
    Get the right amount of auto insurance coverage. You may be tempted by low insurance rates with certain companies but keep in mind the amount of coverage is most likely insufficient. Being under-insured defeats the purpose of having insurance in the first place. Insurance is a security blanket, which is put in place to protect you in the event of a loss. Having adequate coverage is imperative. Don’t know how much you need? That brings us to our next “Do”.
  • Use an independent agent. Independent insurance agents are professionals in the industry who are non-captive to one company. That means they’ll give you impartial advice on coverage, rates and company reviews. These industry professionals should be used as an insurance resource for any and all of your insurance needs.
  • Call your agent and update life events. Call your agent when you get married, get an advanced degree, remodel your home, retire, etc. Your agent will be able to let your know if you are eligible for any new discounts based on your life updates. They may want to adjust your coverage if your circumstances permit change.
  • Have your agent compare rates every 1-2 years. Things change in the insurance industry from time to time. Rates fluctuate, new discounts are introduced and updates are made. Make sure you ask your agent to review your policies and ask for rate comparisons.
  • Stay loyal. If your current company’s rates are competitive you might want to stay with them. Many companies offer a loyalty discount. So staying put may be in your best interest.
  • Update your mileage every renewal term. Many companies increase customer’s mileage automatically if you do not adjust it yourself and this can increase premiums. Let your agent know your odometer reading of your vehicle to prevent this from occurring.


  • Don’t file small claims. If your  loss is under your deductible, don’t file a claim. Insurance companies typically will raise your premium for more than 2 claims in a year.
  • Don’t skimp on uninsured motorist coverage. This important coverage protects you from being stuck with repair and/or medical bills in the event that you are hit by a driver who is not insured or doesn’t have adequate car insurance.
  • Don’t go with the bare minimum of coverage. This falls in line with our first “DO”. Being under-insured is like having no insurance at all. There are so many scenarios that can occur when you are involved in an accident or any other type of loss. If you get state minimum coverage you may not be taking into account the added expenses that could ensue if a loss occurs. Say for instance the other party is injured; you would be responsible for lost wages, medical bills, and repair bills if your coverage limits are less than what is owed. Those expenses will be coming out of pocket instead of from your insurance company.