How to Choose the Best Car Insurance

It’s fun to research buying a car — scrolling through all the available makes, models, and colors as you picture yourself cruising in the vehicle. But shopping for car insurance? Not as exciting. Don’t worry, though, when it comes to how to choose the best car insurance, we’ve got you covered. 

Check out our guide on the best car insurance, and consider reaching out to your local credit union as an additional resource. But wait, do credit unions offer car insurance? Yes, many do! And, with the discounted rates you’ll often receive through credit union car insurance, you might find you have the cash to spring for those upgraded rims you’ve been eyeing. 

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How to Choose the Best Car Insurance

Almost every state requires drivers to purchase a minimum level of car insurance coverage. But why settle for the bare minimum when you and your ride deserve the best? Let's explore the main types of car insurance coverage and factors to consider when choosing the best car insurance plan for you.




Types of Car Insurance Coverage

Car insurance coverage falls under two main umbrella categories: basic and additional. 

Basic car insurance

Basic coverage covers, well, your basic necessities. Here are some of the car insurance protections you can’t drive without: 

 

Additional forms of car insurance

Who doesn’t like a little something extra? These other coverages are not required but can offer additional forms of protection.  




4 Steps to Choose the Best Car Insurance

Now that you know the coverages available, you can assess and choose the best car insurance for your ride. Here are four factors to consider: 

  1. Embrace your unique needs. Go for the coverage that fits your specific circumstances. For example,  if your vehicle is paid for, you won’t need gap insurance. However, if you just bought a new car, you may want to add gap and new car replacement to your plan. You can also look into other types of insurance to further broaden your protection. 
  2. Consult with trusted third-party ratings. While insurance company websites have extensive information on plans and coverages, it’s worth taking the time to read reviews on trusted third-party sites. In addition, you can ask your friends about their insurance company experiences. 
  3. Determine how you want to interact with the company. Larger insurance companies will most likely offer support through their website or app, while smaller companies may rely on the phone and in-person meetings. Decide what you prefer. 
  4. Get multiple quotes and compare based on coverage. Shopping quotes doesn’t automatically mean choosing the cheapest policy. When reviewing options, look at the fine print and assess the benefits that come with each plan. It can be beneficial to meet with an insurance guide. When you look into credit union car insurance, you may find you qualify for discounts that aren’t available online or learn that you can better tailor your plan. 



Further Resources on How to Choose the Best Car Insurance

Need more help choosing the best car insurance? We’re coming through with these handy resources: 




Why Credit Union Car Insurance May Be Your Best Option 

Now you know what to look out for when choosing the best car insurance for you, but it’s still helpful to have a copilot pointing out signs along the way. (We’ve all missed an exit while jamming out to our tunes.) 

Many credit unions partner with top car insurance providers to bring their members exclusive discounts and round-the-clock service. Use our Credit Union Locator Tool to find a credit union near you that can help guide you to the best car insurance that fits your financial needs. 




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Did you know?

Many credit unions help match their members with car insurance plans that fit their needs and budget. Unlike large national banks, local credit unions take the time to get to know their members and help them through all of life’s journeys. 




Find the right Credit Union for you

There are more than 5000 credit unions to choose from across the U.S.