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Car Insurance for Musicians

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The lowdown...
  • Car insurance carriers may specialize in car insurance for musicians
  • Musicians may have very different insurance needs than other individuals
  • Understand as a musician you are a unique risk and will be priced according to those traits

Car insurance may sound like a one-size fits all type of product, but it is anything but when you break it down.

The truth with a product such as a car insurance is that everyone needs it, but they may need it in different flavors.

While some may be perfectly satisfied with a basic car insurance policy with the standard limits and such, others may need a more customized plan to ensure they are indemnified in the event a loss occurs. If you are a musician, you may fit more of the custom mold.

The crucial fact to remember about car insurance is that you have the ability to get exactly what you want.

Every car insurance carrier is different. They are all going to offer car insurance, but they will do so in a variety of unique ways.

Think of car insurance carriers similar to comparing ice cream shops. If you have ten different ice cream shops, they may each have their unique flavors, prices, and variations to the classic dessert.

Car insurance is a traditional product, but one that can be incredibly unique depending on whom you buy it from. Compare car insurance companies side-by-side today by using our free rate comparison tool.

Understand the Needs

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As a musician, you want to have a firm understanding of what your needs are when it comes to car insurance. Think about everything that you have to do as a musician to carry out your career.

  • You probably need to have a car for starters.
  • The car is going to have to be able to be driven around to get you to different gigs that you have set up.
  • You may drive many miles¬†especially if you are touring several different states over any set period.

You may also have different types of needs as a musician seeking insurance. Do you have a lot of expensive instruments with you as you are driving from one location to the other?

These instruments may be worth far more than what a typical individual may have in their car with them at any one time. Taking this into account, what you may want to do is to be sure that the car insurance policy that you have will also help to cover this type of personal property.

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Shop for the Right Product

You want to spend some time making sure that you are not just shopping for any car insurance product, but are instead shopping for the right product.

Finding the right product means locating a car insurance carrier that is going to meet the needs that you have.

If you are driving 25,000 miles per year to different gigs as a musician, you certainly do not want to talk to a car insurance carrier that wants to offer you a discount if you drive less than 10,000 miles annually, because it is just not realistic.

Take everything into account when you are shopping for car insurance. Seek out unique product offerings and ensure coverage limits meet the needs that you have.

These limits may not only just be for your collision and comprehensive coverage, two standard pieces of auto insurance, but also what is going to be extended to cover personal belongings in the vehicle, such as those expensive instruments we reference.

Premiums Will Vary

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Have an understanding early on in the shopping process for car insurance that premium prices are going to vary from one carrier to the next heavily.

Be prepared for this and also be willing to put in the effort to make price comparisons. There are plenty of aggregators on the Internet that will let you compare insurance prices from once carrier to the next.

You do not want to settle for the aggregators, though. Seek out the niche insurance carriers outside of those networks and see what they can offer you.

Car insurance carriers may be more specialized to price the sole risk that you present as a musician traveling with instruments and such.

When you locate these types of insurers, the premium and value you get in exchange for the coverage being purchased can be worth the added research time.

Deciding on that Perfect Insurance Carrier

The car insurance market is such that the more research you do as a musician, the better result you will get. You want confidence when you finally purchase that car insurance policy.

Have a level of comfort in knowing you did your homework, and the premium being paid is reasonable in exchange for the coverage, limits, and claims customer service being purchased.

Enter your zip code into our free rate comparison tool to find the right insurer for you.

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