It is important to get your automobile insured, and it is a requirement if you are staying in the US. You can opt to go in for any type of coverage in this type of insurance; which is provides coverage not only to the insured vehicle but also to the insured party and the third party, which is involved in an accident. However, before going in for an auto Insurance, be sure to do the following:
1. Search: Before taking auto insurance, it is advisable to go to various auto insurance providers and compare the quotes provided by them. If you are net savvy, get hold of the website addresses of companies providing auto insurance and ask for an online insurance quote. See the best quote which is available for your car and bargain.
2. Details: Provide the insurance providers with full details about yourself and your car. Furnish them with details such as your age, marital status, address, zip code, annual commuting miles and safety features, if any, that you have installed on your car. This will enable them to provide you with specific benefits and lower rates depending on the details you have provided them with.
3. Fine print: Always read the fine print before signing an insurance application form as the proverb rightly says, “The big one giveth, the small one taketh away.” It is the small print that protects your rights.
One of my friends ran into problems the day he was getting ready to go for school and he found that his car had been stolen. The insurance company would not pay for any rental (rent of the car hired by him) my friend had to pay for and the damages the thief had done to the car would only be covered up to the deductible. My friend had thought it was smart of him to get a low insurance quote, only to realize later that the cheap auto insurance promised by the insurance company turned out to be crappy car insurance.
Before getting auto insurance, it is important to know the terms and conditions of the insurance provider and be aware that the car insurance premium will be low only if the insurance product is good. There are two A’s that will ensure a good service and an affordable insurance and they are: Assets and Assistance.
(a) Assets: Make sure that the insurance company is going to provide you with assets when you are high and dry without a car in case your insured car meets with an accident or is stolen and you are left stranded and these assets are: car rental and roadside assistance of some sort if you are stranded on the road or when car is in the repair shop.
(b) Assistance: There is no sure way of telling just how helpful the insurance company’s help department is. There are two ways, however, to find out this important aspect: the non-tech method and the hi-tech method. The non-tech method is by asking your family and friends just how good their experiences have been with the particular company. The hi-tech method is searching for customer comments through the Internet.
Auto insurance is an expensive method to insure your car and yourself. The above factors have to be borne in mind if you have to strike the right deal at the best prices.
