The Secret to Saving on your Auto Insurance
The Secret to Saving on your Auto Insurance
Consider this your secret weapon. It's all you need to know about how to save on your auto insurance rates.
Auto insurance quotes vary from one company to another, but there are some fundamental basics that they must all have. Anyone injured in the event of the car being involved in an accident is entitled to compensation for covering medical expenses and any loss of income during the recovery process. These include pedestrians, cyclists, passengers and drivers. The person who purchases the auto insurance is called the policy holder and the amount he pays the insurance company is called the premium.
Drivers who compare car insurance quotes online discover an average savings of more than $500 on car insurance. Price is the first thing most shoppers consider when comparing car insurance quotes. After all, we all want a good deal but don't make the mistake of buying solely based on price. Even if you pay a few dollars more, you'll get a better deal.
Research the carriers you are considering. Companies rate insurance companies on their financial strength, customer service and reliability, reports feature comments and reviews on their websites about drivers' real world experiences with various insurance companies. Pay particular attention to comments about claims service.
You must check out the availability of customer and claims service. Is it open 24/7 or only during certain hours? Determine if the company offers claims representatives in your area or if most claims are conducted over the phone. Then decide what's right for you. After all, if you have a claim, you want to feel comfortable about the process.
Be free to investigate what options are available for paying for your policy. Some companies offer monthly or annual payments and some offer a discount for paying in full at the start of your policy. It's also important to know what forms of payment they accept such as credit or debit card, electronic check or ACH. Be sure to ask if there's a discount for using one form of payment versus another.
Make sure when you compare quotes, you are comparing apples to apples and that each policy you consider affords you the same amount of coverage. Pay particular attention to towing and rental car coverage. Prices and privileges really vary here.
If you qualify for a discount AAA, good student, epayment check to see that each carrier you compare quotes from offers you the same discount. Even a few dollars can make a big difference over the life of a policy.
If you moved or married since you last compared insurance quotes, you may be missing out on additional savings on your car insurance. Same goes for other types of insurance life, health, and so forth so stop sitting on your wallet and start shopping for quotes.
Remember, a bargain isn't a bargain if you wind up with the wrong company. Before you buy, make sure the company you choose will provide the service and value you expect, keep in mind you don't need to pay for coverage to repair a vehicle that's worth less than the cost of repair.
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