Docstoc

Choosing the Right Auto Insurance Company

Document Sample
Choosing the Right Auto Insurance Company Powered By Docstoc
					Choosing the Right Auto Insurance Company
By Bethany Collins

Most of us have to pay for auto insurance our entire adult lives. To get the most of the money
you spend, you need to be careful when choosing your auto insurance company. This article
will provide tips on choosing the right provider.

•Quotes:
Before choosing a provider, you will need to compare auto insurance quotes. See which
company gives you the lowest quote for the most coverage possible. The more companies
and quotes you look, the higher your chances of getting the best rates around.

•Reputation:
The internet will bombard you with ads for dirt cheap auto insurance. Each company will
claim that it offers the best rates around. And maybe they will. But this does not necessarily
mean that purchasing insurance with them is the wisest decision. It's very important that you
purchase your policy from a reliable, reputable provider. A substandard insurer could leave
you high and dry despite the money you invest in terms of premiums. They may deny claims,
or fail to deal with them effectively, hence defeating the entire purpose of getting your
vehicle insured. Good, reputable car insurance companies will stand by you and support you
in your time of need. Before settling on a provider, ask around and look at ratings and
reviews. See how long they've been around; a company that survives the test of time is most
likely doing something right.

•Multi-Policy:
It's better to pool several different types of insurance together; getting health, home and car
insurance with the same company saves you money on the whole. So when you're picking a
company that provides more than just car insurance.

•Discounts:
Ask about the discounts offered before you sign up, and see which one you're eligible for.
Many insurance companies offer discounts for installing air bags and anti-theft systems, for
getting good grades, for taking a defensive driver's credit, or even for signing up with them.
Make sure you pick a company that offers you good discounts.

•Your needs:
You may have certain requirements that the average insurance company can't fulfill to its
best. Many companies, for example don't insure cars with modifications, so if you have one
of those, make sure you find a company that will take you on. Make sure that your provider
knows beforehand about any modifications, because if you file a claim, they should not have
the opportunity to reject it on grounds of modifications. Someone with an antique or classic
car should get classic car insurance quotes, because regular car insurance may not be able to
give you the kind of coverage and returns that take into account sentimental and collectible
value, maintenance and upkeep.

•Extras for sticking around:
With the vast number of insurance providers out there, you are spoiled for choice, and if a
company wants you to stick around for long, it should give you incentive to do so. Pick a
company that will reward you for loyalty through loyalty discounts, by offering you a
disappearing deductible for every year you stay with them and keep a clean driving record,
and other incentives. Picking the right insurance provider is like choosing the right spouse.
After all, make the wrong decision with either, and you'll be paying for it for the rest of your
life.

				
DOCUMENT INFO
Shared By:
Stats:
views:20
posted:9/22/2011
language:English
pages:2
Description: Most of us have to pay for auto insurance our entire adult lives. To get the most of the money you spend, you need to be careful when choosing your auto insurance company. This article will provide tips on choosing the right provider.