Things You Need To Know About Your Car Insurance

Posted on January 30, 2011 @ 3:02 pm

For almost all Americans, automobile insurance is an increasing expense. We can’t afford to have it, and we certainly can’t afford to not have it. When researching car insurance companies and comparing policies, it is a good idea to follow these easy guidelines to get the most coverage for your insurance dollars. Get discount car insurance quotes from as many carriers as you can. The rates for your automobile insurance may drastically vary and this would depend on the type of coverage you need as well as the model of your car.

Consider as high a deductible as you can reasonably afford, since higher deductibles translate into lower insurance premiums. To be certain you’re only paying for the coverage you really need, it’s a good idea to review quotes and policies carefully.

If you have homeowner insurance, ask your agent if you are covered already for certain items you might be charged again for on your auto policy. Once different car insurance carriers have given you quotes, try creating a spreadsheet. Set up a scenario with car repairs and medical expense to best compare the coverage differences under real-life situations. Contact a reputable body shop for a referral once you’ve chosen the 2 least expensive automobile insurance policies for the coverage you need.

Automobile shops deal with insurance companies and if you want to make an insurance claim, make sure the company you send your premiums each month will respond. How long it takes to get an adjuster to view the vehicle that’s been damaged, how the insurance company operates, and the time it would take to get paid on a claim are things that the body shop will have an opinion on. In fact, talking to a reputable body shop manager for a good 10 minutes will give you an idea of how insurance companies handle their claims.

A few dollars difference in premium dollars to get coverage from a company that handles their claims properly may save you a world of hassle in the event of an automobile accident.

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