subject: The Simple Guide To Getting Auto Insurance [print this page] If you are like most people, you'd rather spend your Saturdays doing anything other than shopping around and buying auto insurance. It's bad enough that you have to buy it in order to be able to drive, but then having to pay for it every month on top of that is like adding insult to injury. And shopping for insurance isn't the easiest thing in the world. It's like they purposely made the language of insurance policies as vague and boring as possible, so you'd slip into some kind of hypnotic stupor. That way, the sales agent would have an easier time selling you a lot more policy, which would make them a lot more money. Of course, there are ways to shop for insurance without getting completely ripped off. All you need to do is to understand a little bit about the game, and you're ready go to.
First of all, you need to understand that there are various different kinds of coverages. Pretty much anything you can think of happening, there's a kind of insurance to protect you from it. But you've only got to think about three or four basic kinds. The kind that protects you in case you crash into somebody, and the kind that protect you if somebody crashes into you. The first is generally called "comp and collision," and the second kind is called uninsured motorist.
Uninsured motorist is important because it's a good idea to have, but it's usually not required by law. Many people, when shopping for insurance, only but the minimum amount. But this can be a mistake if you get hit by somebody who hasn't got any coverage.
There are plenty of discounts available. If you are a good driver, meaning you haven't had any accidents in the last three or four years, you'll pay less. Also, if you are student, and you've got a pretty good GPA, you'll get a discount as well.
There are other factors that cause your rates to go up and down as well. Where you live, how often and how far you drive every year, and the kind of car you have. Obviously, having an expensive car is going to cost more to cover than a 1982 Toyota Tercel.
Once you sign up for a policy, that's it. They are usually for six months to a year. If you pay monthly, you are going to be paying a little bit more. The cheapest way is to pay it all at once, but not too many people have that kind of cash laying around.
So you see, it's really not difficult to get car insurance. Just figure out what kind you want, shop around, and get the policy with the cheapest price. And try not to crash into anybody while you're driving.
by: Winston Takeda
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