Tips to Help You Choose Auto Insurance
So, you have a new car, and need some insurance for it. Just where do you start? Check out the tips in this article that will help you figure out the process of finding the right policy for your needs.
Look into the different companies that are offering you insurance. There are cheaper companies with funny names, such as “General” or “Elephant.” However, often these are just brokers who will farm your policy out to other providers. Take the time to look online and read reviews about each company that you are considering. You don’t want to end up paying for a policy that will leave you high and dry if you have an accident. It’s true that you have to have automobile insurance in order to keep your car from getting impounded, in many states. However, it’s also true that insurance is supposed to help you out when you need it. If you’ve gone with a fly by night organization, when you do get rear-ended by a guy who either takes off or doesn’t have coverage, then you’re going to be in real trouble.
One of the great things about the Internet is the number of opportunities that we have to compare prices from a number of companies in a short amount of time. You can do this with travel itineraries — and you can also do it with automobile insurance. Use one of the many comparison sites you will find on Google to enter your information and get some relative quotes. You need to be aware, though, that you will often get a low quote from these companies just to pique your interest, who will adjust your rates higher on the basis of further information you submit. Don’t sign anything until you have read the fine print of your new policy.
Sometimes, smaller companies make more sense. You actually get to meet your agent and have periodic meetings to review your coverages and see what else you need to get. If you pick up the phone and call someone, you will get a human representative in your area, instead of someone in a phone bank in South Asia who is being paid pennies per hour to handle your claim. Your rates might be somewhat higher, but you will know the people that you are dealing with.
There are many available discounts out there — for things like owning a home, having taken defensive driving, being a college student, and other items. Be sure to talk to your agent about possible discounts before signing up for your policy. Don’t leave money on the table.
Obviously, automobile coverage is a requirement for owning and operating a car. If you’re going to spend hundreds of dollars every six months on your premium, you might as well get the best coverage possible. Using the article above, you can put our advice to work and find the very best policy possible — that will fit your needs — and the needs of your family.