subject: Your Step By Step Guide To Easy Auto Insurance Shopping [print this page] If you're like most people, you hate insurance and dealing with agents. Since they work from commission, they are really keen on getting you to buy a policy. Also, insurance is expensive, and because you don't pay it every month, you're likely to forget about it. Nothing's worse than just making ends meet only to get your auto insurance bill in the mail. Of course, without something like this, you could be facing some serious financial consequences should you come up short. Getting into an accident can quickly put you in the poor house if you can't take care of your financial obligations.
That's why buying this is something you really need to get a handle on, so you have it if you need it, and you don't have to pay so much for it. In this article, you'll learn some basic steps for getting the best policy.
The most important thing is to decide on the amount of the policy that you want. Many people make the mistake of just getting the minimum required by law, which can leave some pretty big gaps, or simply letting an agent decide for them what they should get. Either way, you might not get a policy that is best suited for you.
After you've figured out what kind of policy you need, then check your DMV record. The amount you'll pay is largely determined by your driving record. If you've got a bad record, and don't remember exactly how many tickets you've got, you could be in for a rude awakening when it comes time to sign on the dotted line. When you know ahead of time what your accurate record is, you'll have a better idea of what to expect.
Now you've got a good idea of what you need, and what your record is, it's time to shop around. Get as many online quotes as you can. Just be prepared for a deluge of emails offering you the best deal ever conceived.
Settle on a few different companies whose quotes you think are pretty good. You'll need to compare the companies based on customer service, ease of handling claims, and how quickly they pay claims. This information can be hard to find, so a good idea might be to check out the online forums. There are plenty dedicated to insurance companies, and you can find out the best companies out there.
That is basically it. Find out what you need, find out what kind of a record you have, and then shop around until you find a good company. Just keep on looking until you are satisfied you've found something to your satisfaction.
by: Winston Takeda
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