Don't Accept The First Insurance Policy You Are Offered
Don't Accept The First Insurance Policy You Are Offered
All of us have to make a thousand and one decisions every single single day of our lives. For example: What should I make for breakfast, lunch and dinner? What should I wear today? Which route must I take to work today? Where must I go for groceries after work? Etc. So many care and thought goes into each of these decisions. For that reason, I cannot understand why individuals don't treat all their important choices with the same level of thought.
I am specifically thinking about vehicle insurance. My husband and I were discussing our specific scenario just last night. He is currently looking around for a new vehicle, and has already phoned to get a couple of quotes on the various motor vehicle options that he is exploring. When he bought his first performance car a few years ago, a car cheap insurance quote was nowhere to be found! Some of the corporations offered him insurance with such high premiums that he actually told them that the premium was higher than the installment on the car!
Having said that, my better half is not a person who accepts the first offer that he is offered and after a lot of research and countless telephone calls he was eventually offered a car cheap insurance quote. This specific quote was at least 4 times less expensive than the very first quote he obtained. This just once again shows that not all insurance companies, insurance plans and even insurance brokers are the same! Many insurance companies told him that there was no way that he would be able to find a better deal than the one they offered him. Low and behold, he did!
One of the main things that you have to bear in mind when you are searching for a car cheap insurance quote is that your track record plays a critical role in the entire insurance process. Insurance is about associated risk. Once you obtain an auto insurance policy you are in reality transferring all obligation from yourself onto the insurance company. You are basically telling the insurance firm that you are not able to deal with the consequences if your car should be stolen or damaged in a car crash, and that they have to accept responsibility on your behalf.
Because of this, you need to be able to prove that you are not a high risk consumer. Insurance providers don't like high risk consumers. Sure, they could make a bit more money out of such a client by charging them exuberant monthly premiums, but other than that high risk clients certainly don't add much value to the firm.
The bottom line is thus to try and keep your background and claim history as clean as possible. Insurance firms understand that accidents happen and they won't hold that against you, but if you put in a claim every 2 weeks and have a long list of traffic offences on top of that, you might not be their dream customer!
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