Smart Tips For Insurance Shoppers (NAPSA)—Whenbuyinga car, there’s more to consider than the make and model. Price, size, gas mileage—even the wayit feels behind the wheel—affect your decision. You should also weigh your options when buying auto insurance. With many brands and features and price ranges out there, it pays to do your homework. Here are some common questions people ask Progressive when they shop for insurance: What type of auto insurance can I choose from? There are two types of auto insurance: Lia- bility coverage pays for damage to other vehicles or injuries to other people that you cause. Physical Damage coverage paysfor damage to your vehicle. These two coverages are the foundation of your policy. How much coverage should I buy? Thestate defines the minimum amount of coverage required, but after that, the amount of coverage you buy is up to you. You choose based on your comfort level, budget andlifestyle. Some people want as much coverage as possible for all of life’s “what ifs.” Others are satisfied with bare-minimum coverage. If you have a newer vehicle, you may want more coverage to pro- tect your investment. If you can afford higher deductibles (the amount you'll pay out of pocket in the event of an accident), you can raise them and pay less premium. Howis my rate determined? Rates are based on a combination of pieces of information about you, your driving record and yourcar. It’s important for you to provide Weigh your options when buying auto insurance. With many brands, features and price ranges out there, it pays to do your homework. accurate information to your agent or to the insurance com- pany. It helps determine the best options and rates for you. Can I get a lower rate? Many insurance companies offer discounts that can help lower your rate. For example, Progressive offers discounts for good student drivers, paying your premium electronically and having more than onepolicy. Some companies offer rewards for renewing your policies with them. At Progressive, the longer you stay a customer, the more benefits you gain, such as lower deductibles and accident forgiveness. Ask your agent or customer service representative about available discounts and programs. Where should I shop for insurance? If you prefer to look on your own, begin your search online. If you want to talk to someone about insurance, contact an agent. To find an agent, visit www.progressiveagent.com.
