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Monday, October 15, 2007
Auto Insurance - Different Steps To Effective Shopping
1. Every state has a department that oversees insurance there and always has useful information for all insurance buyers in the state. They usually have guides that will show you how to get what's best for you at the best price. Having access to information you can trust will make it easier for you to make the right choices in your situation.
2. Make a few phone calls to your friends, relatives and acquaintances and ask them about their insurer. Their testimonial of past or current insurers will help you make very informed choices. Your search for the best insurer for you is easy if they rave about their agent and/or insurer. Then you should simply write them down as great options for you.
I must point out, though, that you must be careful with going with just one friend's recommendation. They might not have shopped extensively themselves. The fact remains that you'd do better shopping if you try to shortlist and compare not less than three agents. Endeavor to compare quotes from every agent you were referred to. Have some talk with each one of them and then decide on who has not only the lowest quotes, but the best price/value. This could take you quite some time.
3. Make use of consumer guides. You'll see typical rates for your auto insurance policy. This is not counting the fact that you'll get a number of tips that will make it easy get adequate coverage at the best price. Bear in mind that the quotes you see in those guides are not absolute. They're only guides. Due to this, make sure you request quotes from as many insurers as makes sense. More quotes increase the chances that you'll get better rates and value.
4. Auto insurance is one that you really need to have with an insurance company that has a good reputation. You won't like it if you buy from an insurance company that will leave you stranded midway.
Some insurers will serve your interests better than others. You will do well to find out how an insurance company treats claims. So, take your time to check with your states department of insurance, Better Business Bureau, A.M Best Company, Phelps, Inc., Standard & Poor's Insurance Rating Services, Moody's Investor Services, Inc. and more to ensure you're in good hands.
5. You can see savings of hundreds of dollars on your auto insurance policy by obtaining insurance quotes from quote sites. The best way is to visit not less than three quotes sites and making sure that you give the same (correct) details. I advise that you use not less than three quotes sites since that will make it less likely that you'll miss out better quotes not given by the other sites. This provides you a broader basis for doing more thorough comparisons thereby increasing your chances of getting more for less.
2. Make a few phone calls to your friends, relatives and acquaintances and ask them about their insurer. Their testimonial of past or current insurers will help you make very informed choices. Your search for the best insurer for you is easy if they rave about their agent and/or insurer. Then you should simply write them down as great options for you.
I must point out, though, that you must be careful with going with just one friend's recommendation. They might not have shopped extensively themselves. The fact remains that you'd do better shopping if you try to shortlist and compare not less than three agents. Endeavor to compare quotes from every agent you were referred to. Have some talk with each one of them and then decide on who has not only the lowest quotes, but the best price/value. This could take you quite some time.
3. Make use of consumer guides. You'll see typical rates for your auto insurance policy. This is not counting the fact that you'll get a number of tips that will make it easy get adequate coverage at the best price. Bear in mind that the quotes you see in those guides are not absolute. They're only guides. Due to this, make sure you request quotes from as many insurers as makes sense. More quotes increase the chances that you'll get better rates and value.
4. Auto insurance is one that you really need to have with an insurance company that has a good reputation. You won't like it if you buy from an insurance company that will leave you stranded midway.
Some insurers will serve your interests better than others. You will do well to find out how an insurance company treats claims. So, take your time to check with your states department of insurance, Better Business Bureau, A.M Best Company, Phelps, Inc., Standard & Poor's Insurance Rating Services, Moody's Investor Services, Inc. and more to ensure you're in good hands.
5. You can see savings of hundreds of dollars on your auto insurance policy by obtaining insurance quotes from quote sites. The best way is to visit not less than three quotes sites and making sure that you give the same (correct) details. I advise that you use not less than three quotes sites since that will make it less likely that you'll miss out better quotes not given by the other sites. This provides you a broader basis for doing more thorough comparisons thereby increasing your chances of getting more for less.
# posted by gopi @ 10:53 PM 
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