subject: How To Get The Best Possible Price On Car Insurance [print this page] Buying car insurance is something that very few people enjoy. The only people that enjoy it are the salespeople, because they are earning a pretty good commission from you. The rest of us look forward to it like we look forward to a root canal. It's something we want to get out of the way as painlessly as possible. Of course, with this attitude, it's easy to make mistakes and pay to much. Or worse, you may get too little insurance. Then you may get into a wreck and find out you aren't covered for something. That's when the nightmare really begins. That's exactly why it's important to have a basic understanding, so you know what you're doing when buying insurance. And that's just what you are about to learn.
Just like anything else, you need to shop around. That's pretty easy because there are quite a few companies that would love to earn your business. But in order to shop around, you are going to need to know what you are looking for. Otherwise you might end up getting something that's not really a good match for your needs.
There's a few basic coverages you need to be aware of. The law requires comprehensive and collision, as well as liability. These cover anything that you may crash into. Liability is in case the accident is your fault. You also should get uninsured motorist, which covers you if you get into a wreck with somebody, and it's their fault, but they don't have any insurance.
Getting the right amount is important. You should have enough to pay for your automobile, as well as pay for 50,000 dollars in medical bills should you be laid out for a while. Also, make sure you've got at least 30,000 to pay for any damage you do to anybody else's car.
Once you've figured out how much you need, it's time to go shopping. Get as many quotes as you can. Avoid any emails or calls asking you to come down and discuss it in person. These are just tricks to get you into the office, where you'll be more likely to buy. Once you get plenty of quotes, you need to choose which one. This will generally be a combination of price, and the reputation of the company. There's no point in buying the cheapest quote in the world if they never pay any claims.
Also make sure to utilize all the discounts you can. Good driver, good student, locked up car every night, whatever you can think of.
So now that you know a little bit about insurance, it's time to get out there and get some. And be sure to drive safely.
by: Winston Takeda
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