subject: Comparison of Auto Insurance [print this page] Car insurance is one of those essential expenses that you should have, but how do you know if you are getting the best rate? But you should shortlist your requirements of auto insurance.
Here are some tips for obtaining the best rated auto insurance:
--Get several quotes. Insurance rates can fluctuate very much from company to company, and if you get several quotes you can save hundreds of dollars. Generally, you'll need $50,000 body injury liability for a person injured in an accident, $100,000 for all people injured in an accident, and $25,000 possessions damage liability. Make sure all quotations are based on the same liability.
--What is the deductible? The deductible is the amount of money you will pay out of pocket before the insurance payment kicks in. When obtaining quotes from various companies make certain your quotations all have the equal deductible. Insurance rates are usually lower.
--What does your state require and what do you really need? Each state has difference minimum requirements for coverage, so it's a good idea to find out what your state laws are. Once you know the minimum requirements, you can determine if that is enough for your life needs.
--Have your present policy in hand when obtaining quotations. That way you can immediately see if you're getting a better deal or a raw deal. Some insurance companies will give you a monthly quote, a six-month quote or a yearly quote. Make certain you are comparing the same length of coverage. This is the you can choose the best price possible for your auto insurance
--Get ready to haggle. Insurance companies want your business. If you are dissatisfied with your current company, get quotes from several others and then call your current company. Many times the company will match the low quote or throw in something extra-such as insuring rental cars or providing 24-hour tow service. Tell your company you want to stay with them, but you're concerned that their rates are so much higher for the same coverage as another company. Many times this works, and if it doesn't, cancel your policy and contact the company with the lower quote.
When buying car insurance one should get aware of all the requirements and your needs, having the right data in hand, you'll be happy enough to see that you have saved hundreds of dollars by just comparing with.
Comparison of Auto Insurance
By: droghba
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