subject: Getting Cheap Car Insurance [print this page] An insurance policy, especially when it comes to a car insurance, is kind of a mixed blessing. It's the type of thing you want to get as soon as you can, and then forget about it. The fact is you end up having to pay those monthly premiums, hard earned money that you give away to the insurance company, without any visible return, unless an accident happens. It's not like buying a truck, you're just giving money away. So for something like a car insurance, there's no reason to pay more than you need to. Getting cheap car insurance just makes sense.
Before we talk about cheap insurance, let's see why you need insurance at all. First, obviously, it's the law in many states. You just can't drive without having a driving insurance paper on you. But it's also a good idea altogether. Let's say you're driving an old 1980 Chrysler, maybe it's not worth more than a thousand bucks, and you don't really care what happens to it. But a car insurance is about more than just your own vehicle. If you get into an accident, and you were distracted for just a moment, it's quite possible you could cause damage to someone else' vehicle. In this case, without an insurance you would have to pay for the damage you caused. Worse, if your moment of inattention was while some pedestrian was going across the road, the consequences can be much higher. Medical bills can cost a lot, so can wrongful death suits. Still, while a car insurance is something you need, do you actually get a better policy when you buy a higher priced one? That actually depends. There is a case to be made that a large insurance company, selling you an expensive policy, can be more flexible. It can include clauses that covers things you may not think about. But in most cases, the difference between the various companies is negligible, and if there's two similar policies at a different price, there's no reason not to get the cheaper one. After all, even the expensive companies will fight tooth and nail to not pay when it's time for a claim. And that extra money you've been paying them for that expensive policy simply pays off the lawyers, and you know those don't work for you.
So overall, there's very little reason to get an expensive car insurance policy. Getting a cheap one will do most of the time, and while it's both required and a good idea to have a car insurance, there's no point in not getting a cheap one. You will rest just as peacefully knowing that you're insured, regardless of how much money you're sending off every month.
by: Casey Trillbar
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