by Brian Stevens
There are a ton of companies offering cheap auto insurance, but how do you know it's really cheap? And how do you know the insurance company is reliable? Here's how to get the cheapest auto insurance online with a reliable company.
Comparison Shop
Finding the cheapest auto insurance online is a matter of comparing rates from different auto insurance companies. You can spend hours of your time calling local agencies or visiting insurance company websites to get auto insurance rate quotes, or you can spend a few minutes at an insurance comparison website where you can get multiple quotes from top companies.
All you have to do to get your quotes is fill out a simple questionnaire with your insurance information and the amount of auto insurance coverage you want, then wait to get your quotes.
The best insurance comparison sites feature a chat service that lets you get answers to your insurance questions from an insurance expert. They also have an Articles section where you can get money-saving tips and information. (See link below.)
Check Ratings
When you find an insurance company with the best rate, make sure you check it out to see if it's reliable and will provide you with good customer service.
You can check out a company's financial rating at A.M. Best's website - ambest.com. And you can check out a company's customer service rating at J.D. Power and Associate's website - jdpower.com.
Increase Your Deductible
The deductible is the amount of money you must pay before your insurance company will pay your claim. Make sure to get the highest deductible you can afford, because the higher you set your deductible, the cheaper your insurance premium will be.
For example, raising your insurance deductible from $250 to $500 could save you up to 30% on your premium, while raising it to $1,000 could save you up to 50%.
Ask for Discounts
Insurance companies offer numerous discounts. Some of these discounts include:
* Multiple policy discount for placing your homeowners or renters insurance and your auto insurance with the same insurance company.
* Safety and security discount for having burglar alarms, ant-theft devices, airbags, and anti-lock brakes.
* Low mileage discount for driving less miles than the average driver.
* Safe driver discount for having an accident-free driving record for three straight years.
* Senior discount for being over the age of 50.
Before you purchase your auto insurance, ask your insurer about all the discounts they offer and take advantage of all the ones you quality for.
http://www.goarticles.com/cgi-bin/showa.cgi?C=665261
Showing posts with label insurance company. Show all posts
Showing posts with label insurance company. Show all posts
9/17/2007
Car Insurance Claims: How To Cope p The Claims
by David Faulkner
Whenever you opt for the car insurance, you aren't just looking for the price they give you but you should also write down the coverage they are offering for what price. For instance, what is your deductible amount should you have an accident? What if you get a chip in your windshield? Do they have a special deductible for glass or is the deductible universal no matter what happens to your car? Is one driver covered for that price or can you add additional drivers? These are all questions you should ask insurances companies because you don't want to be caught asking them if you have an accident.
How fast the insurance company responds to a claim should also be considered when thinking about obtaining Car Insurance Claims. If your coverage includes the use of a rental vehicles, waiting two or three days to have an adjuster go over the claim can leave the person in a lurch concerning transportation. It is also important to look at how they handle potential liability issues in case of personal injury.
You Should Familiar With Your Insurance Policy:
Many car insurance companies will simply pay the limit on your policy without combating over the charges and if additional money is rewarded, the driver is solely responsible. Some insurance companies will join in the driver's fight against potentially fraudulent claims made following an accident. Review your Car Insurance Claim information occasionally to keep your self up to date in case of an accident.
The limit you select represents the maximum amount the insurance company will pay for damage caused by an accident. It depends on what your car insurance company offers as well as how large a premium your budget can cover. The higher the limit, the more you will have to pay as a premium.
Role of Other Driver:
You should consider the other party for Car Insurance Claims. You must have full name, address, phone number etc. of the insurance company and the other party involved.
A claims settler will establish who was at accountability and who must be held accountable for the rate of renovating the motor vehicle. Filing Car Insurance Claims are no fun but they are improved than the substitute of paying the total cost of maintenance out of your own pouch.
It is essential for anyone charged with any drunken driving offense to get professional advice regarding their car insurance claims, just as you would need help with legal situations. If you are pulled over for drunk driving and then convicted, car insurance companies check the driving records for every potential client to determine what rate to charge them. If the person has one or more convictions of any type, the car insurance company will often charge a higher premium for car insurance.
Whenever you opt for the car insurance, you aren't just looking for the price they give you but you should also write down the coverage they are offering for what price. For instance, what is your deductible amount should you have an accident? What if you get a chip in your windshield? Do they have a special deductible for glass or is the deductible universal no matter what happens to your car? Is one driver covered for that price or can you add additional drivers? These are all questions you should ask insurances companies because you don't want to be caught asking them if you have an accident.
How fast the insurance company responds to a claim should also be considered when thinking about obtaining Car Insurance Claims. If your coverage includes the use of a rental vehicles, waiting two or three days to have an adjuster go over the claim can leave the person in a lurch concerning transportation. It is also important to look at how they handle potential liability issues in case of personal injury.
You Should Familiar With Your Insurance Policy:
Many car insurance companies will simply pay the limit on your policy without combating over the charges and if additional money is rewarded, the driver is solely responsible. Some insurance companies will join in the driver's fight against potentially fraudulent claims made following an accident. Review your Car Insurance Claim information occasionally to keep your self up to date in case of an accident.
The limit you select represents the maximum amount the insurance company will pay for damage caused by an accident. It depends on what your car insurance company offers as well as how large a premium your budget can cover. The higher the limit, the more you will have to pay as a premium.
Role of Other Driver:
You should consider the other party for Car Insurance Claims. You must have full name, address, phone number etc. of the insurance company and the other party involved.
A claims settler will establish who was at accountability and who must be held accountable for the rate of renovating the motor vehicle. Filing Car Insurance Claims are no fun but they are improved than the substitute of paying the total cost of maintenance out of your own pouch.
It is essential for anyone charged with any drunken driving offense to get professional advice regarding their car insurance claims, just as you would need help with legal situations. If you are pulled over for drunk driving and then convicted, car insurance companies check the driving records for every potential client to determine what rate to charge them. If the person has one or more convictions of any type, the car insurance company will often charge a higher premium for car insurance.
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