Steps to Buy a Good Car Insurance How much you pay for car insurance depends on a number of factors including your age, marital status, the area you live in, and the kind of car you drive. The following simple steps will help you determine how much insurance you need to carry. These useful steps will also guide you to get the best car insurance coverage at the lowest possible price.
Step 1: Decide How Much Coverage you Need To find the right car insurance, check on the amount of coverage you need. Learn about different coverage options available outside you state requirements and then plan accordingly.
Step 2: Determine your State's Insurance Requirements: Car insurance differs from state to state and it is advisable you meet the state's requirements before you buy car insurance.
Step 3: Evaluate your current Insurance Policy and Driving record: Before you buy car insurance, you should check the following: the status of your driving record, current coverage and premiums. Set a rough amount of coverage and the amount of premium you are going to pay.
Step 4: Get Free Quotes from Multiple Insurers If you have an accident, it is necessary that your car insurance covers every expense. Look for those car insurance quotes, which help you to save money but still provide comprehensive coverage.
Step 5: Look for Discounts Explore all the options relating to discounts. Many insurance companies give discounts for favorable credit scores, good driving records, safety equipment such as antilock brakes and so on.
Step 6: Choosing the Right Insurance Company Now that you have most of the information in front of you, it’s time to settle for a good company. For this, always consider contacting reputable insurance companies and brokers that has established a good customer service. Check out the financial strength ratings of an insurance company by referring to various rating agencies.
Step 7: Review the Policy Before Signing After you decide on an insurance company, read and verify the policy. Verify that it contains all the coverage you want. It’s the small print most of us don’t want to read, but it helps to know what you are covered for to decide if it’s worth what you are going to pay. Avoid insurance companies that attempts to set confusing or misleading terms in the policy.
Step 8: Revoke your Old Car Insurance Policy For existing insurance holders, once you settle for an insurance company, and purchase a new coverage, cancel all coverage with your old or existing insurance company. Also, always carry proof of insurance, at least copies, just in case you are stopped by the police or other law enforcement entity.作者: guiltyike 时间: 2011-5-22 12:21
