Finding the right auto insurance can be just as tricky as finding the right vehicle. You want to find a car insurance plan that meets your needs, that's affordable, and that offers ample coverage in the event of an accident. Your insurance needs will also change over time, and you will likely find yourself shopping around or making changes to your policy over the years. If you're looking into a new auto insurance plan, here are three questions to ask yourself during this process. 

How Much Can You Afford?

The first question you need to ask yourself is, how much can I afford? The average car insurance premium amounts to $1,427 per year. However, things like the state you live in, your driving record, age, and gender can all have a significant impact on how much your policy will cost. The vehicle you drive will also have an effect on your car insurance costs with newer vehicles or sporty vehicles being more expensive to insure. 

How Much Coverage Do You Need?

Another thing to ask yourself when choosing a new car insurance plan is how much coverage you need. While you want to make sure that you are protected in the event of an accident, you also want to weigh the cost of your policy with your coverage needs. Too much coverage on a vehicle can be expensive and not worth it. There are different levels of coverage available, with liability coverage being the bare minimum. Collision and comprehensive coverage can be added to your policy, but are more expensive. If you have a new or valuable vehicle, comprehensive and collision coverage is often worth it. However, if you have an older car that's not worth much, you may want less coverage.

How Can You Save?

If you are looking into new car insurance coverage, another question to ask yourself is, how can I save? The good news is that there are plenty of ways to find savings. Discounts are numerous and offered by most insurers. You can save by asking about available discounts for things like bundling or safe driving. Another way to save is by comparison shopping. You may find that one insurance company will offer you much more affordable coverage than another.

When you are looking for new auto insurance, there are a few questions to ask yourself. First, it's essential to consider how much you can comfortably afford when it comes to your policy. Next, you need to determine how much coverage you need to carry. Finally, looking into ways to save is also essential. There are various discounts available as well as other ways to save.