Even if you have a vehicle with the latest safety features, auto insurance is crucial to protect you and your vehicle from any untoward incidents, like accidents or theft. However, choosing the right auto insurance can be tedious as it requires research.  Following are some of the essential factors to consider when choosing the right auto insurance.
 Coverage type This is the most important factor when choosing the best auto insurance. If you are looking for auto insurance that covers medical expenses, then consider MedPay or Medical payments. This can help cover some reasonable medical expenses for the driver and the passengers involved in the accident, regardless of their fault. One of the benefits of having auto insurance with MedPay is that it is applicable with any current health insurance. Some states offer Personal Injury Protection (PIP) instead of MedPay. PIP has higher policy limits than MedPay. However, they also have higher premiums and deductibles. One of the other advantages of having PIP over MedPay is that they pay for medical expenses, lost wages, and funeral expenses. If you are looking to cover repair costs, consider auto insurance with collision and comprehensive. This is yet another important factor to be considered when choosing the right auto insurance. Collision coverage pays for car damage and repairs. However, the coverage does not pay for damage to the other vehicle. In case the repair cost or damage to the car exceeds the total value of the car, the vehicle is considered as a total loss, and the insuree is paid the total value of the car instead. While collision covers for damage, comprehensive coverage covers non-accident damage such as theft or damage due to natural disasters. It is recommended to choose auto insurance that offers considerable coverage on both collision and coverage. Policy limits Every auto insurance has different policy limits. A policy limit is the maximum amount you can claim through auto insurance. For instance, if you have insurance with a policy limit of $20,000, and the damage to your car is worth $25,000, the insurance will cover $20,000 worth of damages. The remaining $5000 will have to be borne by you. Hence, it is important to choose higher policy limits as it enables you to pay less out of pocket. The average cost of deductible in comprehensive or collision costs is around $500. This amount needs to be paid out of pocket before the insurance kicks in. Rating of the insurance company The reputation of the insurance company plays a major role in choosing auto insurance. Look for those insurance companies that are certified by Better Business Bureau (BBB). Certification from various organizations validates the credibility of an auto insurance company. Apart from this, it is also recommended to ask your friends and neighbors if they can recommend a reliable insurance company offering insurance quotes at competitive prices. Of course, the Internet will help you look for a variety of top-rated insurance companies. You can then compare their auto insurance quotes to select the best that suits your requirement. Age of the vehicle Having an older car attracts expensive auto insurance. Insurance providers believe that the older the car, the lesser the safety. However, this does not mean you will get a good deal on auto insurance for your new sports car. Auto-insurance offers comparatively lower premiums on a simple four-door sedan or a hatchback that has all its safety features like airbags and ABS (Anti-lock braking system) in place. Pro tip: Most insurance providers suggest buying a second-hand car that has not been on the road for more than a couple of years and has all the safety features. This will help you save buying a new car and its insurance. Discounts Insurance companies offer great discounts on their premiums. For instance, you can get a great deal if your car is loaded with safety features. Some insurance companies also offer discounts if you are associated with certain clubs or if you are an employee of an esteemed organization. Others offer discounts on a good driving score and may offer an additional discount to policyholders who are willing to pay premiums upfront.