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Selecting Auto Insurance – Info and Tips

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When we lead busy lives, it is often hard to find time to comparison shop. But it can usually pay off, especially when it comes to car insurance. Sure, it’s easier and faster to just keep paying your auto insurance premium when it comes due rather than contact other insurance companies and compare coverage and rates. But making a couple of short phone calls to get quotes can save you hundreds of dollars, especially if you insure multiple vehicles.

Shop Around

Many drivers end up saving money – 10, 15, 20 percent and more – when they change insurance companies.  When shopping around, always have your current coverage/policy in front of you and the amount that you are paying so that you can make a direct apples-to-apples comparison. But be aware – with some insurance companies, you save money (pay less every year) by staying with them for a long time. You can ask your company if they practice this annual premium-reduction method if you are a good paying customer with no claims.

Review Your Drivers Record

Here’s a tip you probably never thought of—obtain a copy of your driving record and review it. The insurance companies look at it so you should, too. Otherwise how will you know if there is an error on your record that you need to fix?

Know Your Minimum – carry more if you can

Another tip is to make sure that you know your state’s minimum liability requirements. Any good insurance company should have the minimum policy requirement amounts on their website but you can always call and inquire. The more important tip is to, if at all possible, carry coverage higher than the minimum the amount required by law because in a serious accident these amounts often are not enough.

Question Premium Increases

If your existing insurance company informs you that they are raising your premium, ask them what the reason is for doing so. Sometimes they do not have a legitimate reason and yet they raise premiums knowing that most consumers will not fight it or question it. There are a few unethical insurance companies that actually hire companies to provide fake data on you in order to justify a premium hike.

Tell the Truth

Always be honest and forthcoming if you are in any type of motor vehicle accident. This is because all of the information is recorded and if it is later determined that you were untruthful about something, you will pay for it in the long run with higher auto insurance costs.

Check Rates for your Make & Model

If you are considering purchasing a different vehicle—whether new or used—take the time to make a call to your insurance company to find out the costs of comprehensive and collision—full coverage, or liability only if you are not taking out a loan to purchase the vehicle. If money is a concern, you need to know which vehicles to rule out due to insurance costs. Certain makes and models will have a substantially higher premium.

Pay the Full Premium if you can

When you are paying for your car insurance, remember that you will pay slightly more if you divide your payments. Paying your full annual premium all at once is the money-saving way to go but if you need to break up your payments and make them every quarter or every six months, the insurance company will add what they call a convenience fee—an administration fee for the additional invoicing and payment processing.

Carry Uninsured Motorist Coverage

Note that uninsured motorist coverage is more important than ever before because the poor economy has led unemployed or low- earning consumers to go without car insurance. This means if you are in an accident with them you will foot the entire bill.

As an experienced auto accident law firm, we understand how important your insurance coverage is should there be an accident. Protect yourself with the right coverage at the right price.

Hope this information was helpful to you all. Have questions or comments? Don’t be shy, we would LOVE to hear from you!




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