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Tuesday, July 15, 2008
Shopping For Car Insurance? Make Sure You Don't Compare Apples to Oranges
Shopping for affordable car insurance is time consuming even if it is well worth the efforts. For one thing, you have to request and compare multiple quotes from multiple insurers. Then you have to spend time to compare them - in other words to find out what they offer for the price. The reward is substantial savings.
The first thing you need to decide is the type of coverage that you will need. There is a one way insurance - it is the cheaper option. If you cause a car accident the insurance company covers the damages caused by you to the other driver, but doesn't cover the damages on your vehicle. This is an option to go with if you possess an older vehicle.
The other option is so called full coverage. If you cause a car accident your insurance company covers both damages on your car and the other driver's vehicle. If you have financed your vehicle then you are required by the lending institution to have full coverage. Even if you paid cash for your brand new car, may be it is still worth it to pay a little more to have a peace of mind.
The second thing to consider is the premium. Different companies will give you different premiums for the same coverage. Make up your mind on what you want to have covered and then go with the insurer that gives you the best car insurance rate.
Before you do that you have to familiarize yourself with the different types of coverage that exist. Find out if they offer liability protection, car repair coverage and medical coverage. These are standards but you also find little differences with each company.
The first thing you should be aware of is the rate discount. All major insurance companies have different discounts listed on their websites. If you do not have the time to read them just ask your insurance agent. The most common ones are discounts for completing safety driving classes, safety features of your car, loyal customer discount or multiple car discounts. Be aware that you might be able to get up to 25% reduction of your price if you just ask for the discounts your insurance company by choice offers.
These are some of the things you need to keep in mind when comparing auto insurance quotes. You can obtain them by calling different insurance companies where you live or by doing online research at the websites of the major "A" rating insurance companies or "middleman websites" such as eSurance.com or InsureMe.com. Just remember to start shopping early enough and give yourself enough time in order to find the car insurance that best fits your needs.
The first thing you need to decide is the type of coverage that you will need. There is a one way insurance - it is the cheaper option. If you cause a car accident the insurance company covers the damages caused by you to the other driver, but doesn't cover the damages on your vehicle. This is an option to go with if you possess an older vehicle.
The other option is so called full coverage. If you cause a car accident your insurance company covers both damages on your car and the other driver's vehicle. If you have financed your vehicle then you are required by the lending institution to have full coverage. Even if you paid cash for your brand new car, may be it is still worth it to pay a little more to have a peace of mind.
The second thing to consider is the premium. Different companies will give you different premiums for the same coverage. Make up your mind on what you want to have covered and then go with the insurer that gives you the best car insurance rate.
Before you do that you have to familiarize yourself with the different types of coverage that exist. Find out if they offer liability protection, car repair coverage and medical coverage. These are standards but you also find little differences with each company.
The first thing you should be aware of is the rate discount. All major insurance companies have different discounts listed on their websites. If you do not have the time to read them just ask your insurance agent. The most common ones are discounts for completing safety driving classes, safety features of your car, loyal customer discount or multiple car discounts. Be aware that you might be able to get up to 25% reduction of your price if you just ask for the discounts your insurance company by choice offers.
These are some of the things you need to keep in mind when comparing auto insurance quotes. You can obtain them by calling different insurance companies where you live or by doing online research at the websites of the major "A" rating insurance companies or "middleman websites" such as eSurance.com or InsureMe.com. Just remember to start shopping early enough and give yourself enough time in order to find the car insurance that best fits your needs.
# posted by gopi @ 7:52 PM 
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