Are you shopping for your first car insurance policy? If you are, you may not fully know what type of features to shop for. There are a variety of coverages and services to consider when buying your policy and you will also want to receive great benefits from your provider so you can take advantage of your insurance coverage. So, when shopping for your car insurance policy, be sure that you:

Receive A Low Deductible Rate:

Deductible rates can vary from $250 all the way to $1500 and paying a much smaller deductible rate will make it much easier when you have a claim to file. For example, if you have a $250 deductible and you are involved in a car accident and the cost of the damages were $3,000 then you would only have to pay $250 instead of the total cost. So, having a smaller deductible rate is much easier to pay and will make it easier for you when you need to utilize your coverage. If you don't see yourself being able to afford a $1,000 deductible be sure that you talk with your agent so you can obtain a much lower deductible rate.

Purchase Additional Coverages:

Not only is comprehensive and collision coverage important to include in your insurance policy, but you may also want to take advantage of some of the great services that your insurance company has to offer. Most insurance companies offer roadside services for a small annual charge, which is something you will want to consider when creating your coverage plan. This can potentially save you hundreds a year on potential towing costs, and will also make it much easier for you to receive towing services, as your insurance company will send out a towing truck and take care of everything for you when you are stranded on the side of the freeway.

Seek A Provider With Mobile Application Functions:

When buying an insurance policy, not only will great coverage allow you to take advantage of your policy, but having great technology features will, as well. When shopping for your new policy, consider a provider that has a great mobile application. Having a mobile application will allow you to have your insurance ID card right on your phone, as well as allow you to take snapshots of any accidents you are involved in and upload them to your insurance claim center. This will make it much easier for you to file claims and to have your most up-to-date insurance ID card at all times, so you can avoid driving with your expired policy card.

These three tips and features will not only help you get the most out of your insurance policy, but will make it easy for you to file claims, afford your coverage usage, and ensure that you are protected on the road. So, to maximize your coverage, definitely consider these three options when shopping for your very first insurance policy with a trusted company, such as Ahlquist Insurance.