ifydcat As having car insurance is a nationwide mandate, you need to make sure you are as educated about car insurance as you can buy when shopping for it. It can be very complicated to the newcomer, however, in truth, it ends up being a relatively simple endeavor.
There are plenty of different policies available. Do not just settle for the first one that you find. The customer service may be poor, or the cost may be prohibitively high. Make a list of at least ten different policies ad start judging the pros and cons. Some companies don’t have a 24/7 line to call, and think about what you would do if you had an accident late at night.
Some companies may not be able to send an agent to you, and you may have to foot a towing bill to bring your car to the adjustor’s location. These are all things to put into consideration when deciding on an auto insurance company.
You should also know how higher and lower deductibles affect the cost of your policy. Generally speaking, the higher your deductible, the cheaper your policy. I personally recommend this route if you have a clean driving history. Why spend more money every single month for years and years for that one accident in twenty years to be nearly completely covered? By having the lower cost deductible you’ll have the money in your pocket should an accident happen to pay that deductible. Perhaps you may never even have an accident. In this case a low/no deductible policy will have been fruitless.
Auto insurance companies offer a wide variety of discounts for a wide variety of reasons. They offer discounts to health care professionals, military, navy, air force, even to good students. They also offer multiple discounts. If you have your home owner’s and/or renter’s insurance through the same company this usually entitles you to a discount. Some companies now offer a device to track your driving habits in your car, which always turns into a savings.
If you add a second car to your policy your rates will inevitably go up. However, it won’t be double. In other words, each car’s rate will be discounted, to the point where you are only paying about seventy five percent for each car. If you have multiple cars in the household, insure them together, and save everyone some money.
Without a doubt, having a car accident will increase your rates. The obvious pointer here is to avoid an accident. Unfortunately, accidents do happen. If one does, sometimes you may be able to settle it with the other driver before insurance companies get called. In some cases, this benefits both drivers, especially in the case of a minor fender bender. Try being very friendly, even if it was the other person’s fault. If you can settle things without calling the cops and insurance, you may both benefit.
Getting a quality car insurance at a good price can be a challenge, but with good advice, you’ll get the perfect policy, at the perfect price.
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