Car insurance is one of those things that every car owner in the country knows they have to have, but few people actually know the details about what kind of coverage is actually available.  Here are three things that The Insurance Outfit, serving Chester, NJ, thinks you need to know  about car insurance.

1. Rates can fluctuate dramatically

The rate you get when you first sign up for an automobile policy can be very different than when you go to renew. For example, changes in your driving record, including tickets falling off or even additional violations, can change your rate for better or for worse. Maybe you passed an age thresh hold or your state as passed new regulations. Make sure that whenever you renew, you are getting the maximum amount of savings on your policy rate.

2. You are never locked into a policy

Even if your provider has you pay for a 6 or 12 month period, you are not bound to that insurance company. They can not charge you early termination fees like your cell phone or cable company. This is important to note because if you find yourself a better deal and a better rate, you can dump your old carrier penalty free. If you have paid for six months, and you switch after three, they owe you a prorated amount of the remaining three. 

3. Ride with your pet? Better check if they are covered

A standard policy will cover injuries to people in the vehicle in case of an accident. However, it is not always a guarantee that your pet will also be covered. Make sure you check with your insurance provider to make sure your precious pooch or kitty is covered.

If you are in need of a policy, contact The Insurance Outfit, serving Chester, NJ today.