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December 15, 2007

Car Insurance Facts


Deciding for auto or car insurance is not an easy task in the United States. Not only understanding a few factors can change the money you spend in buying car insurance but also helps to get the best quotes and value for your money. Understanding the car insurance can be sometimes very tricky and absolutely confusing and that sometimes lets you take decisions where you end up spending more money and usually the insurance you buy actually doesn’t suit your needs.

That is why here we have tried to simplify the general insurance facts for you so that you can develop a good understanding of this dreaded but compulsive subject i.e. Car Insurance. Here are some very important facts which you should always consider before buying car insurance.


Appropriate Insurance Coverage is important
Generally the half of insurance covers the liability factor that depends on how you are going to use the vehicle. The amount you pay decreases in case for ex. If you are commuting for home to office and vice versa for work and also if your driving record is clean without a speeding ticket. If your driving record is not clean you end up paying more money as insurance premium. The second half of insurance premium covers damage or loss to your vehicle along with comprehensive and collision coverage.

Shopping around pays
Shop for insurance ad always get more than none quote. There are in fact hundred of companies competing for insurance business from you and in many cases you can save hundred of dollars because of multiple quotes. So, shop around for quotes.

Find out insurance discounts
Many companies in general offer discounts to the customers. You can avail the discount if you are buying more than one insurance policy viz. auto and home insurance. You can also get discounts on factors like air bags, anti-lock brakes, daytime running lights and anti-theft devices.

Consider higher deductibles
You could lower your insurance bill by increasing your deductible but before that just make sure you can pay the higher deductible if you file a claim.

Stacking coverage’s while you file Insurance claim
Stacking uninsured or underinsured motorist coverage’s means you can collect from more than one of your auto insurance policies. Most states prohibit this practice, but there are about 19 states that either allow stacking or don't address the issue either through legislation or litigation. Be sure to check your auto insurance contract to see if it's allowed. Probably you are likely pay a higher insurance premium if you have stacked coverage.

Car gives you benefits
Insurers depend on the model of car you buy, its sticker price, features which may reduce maintenance or accidents or theft. So consult your insurer while you finalize which car to buy.

Notify Insurer of Change
If you wish to terminate the insurance coverage notify the insurer of the same. In many states you get penalty for the number of days you go uninsured so notify your company the change in writing or through phone, terminate the insurance and change the company after that.

Go with your budget
It is always recommended that you strictly follow your budget and choose the payment which fits into your budget. You can get monthly, quarterly, half yearly or yearly mode of payments and choose which suits your pocket.

About the author:
Looking for more information on Car Insurance Rates check out carinsurance-rates.net your guide to Car Insurance Rates

Article Source: http://www.Free-Articles-Zone.com


6 komentar:

Auto said...

If you are like most people, you have probably stayed with the same auto insurance company since you first purchased your vehicle. If you haven't compared your auto insurance rates in awhile, it is time to take out that policy and do some comparison shopping. Even if you are perfectly satisfied with your current insurer, it's likely you can find a low cost auto insurance company and reduce your current rates by hundreds of dollars a year. If none of them offered better rate than what you current have, you are not going to lose anything! Give it a try.
http://www.bestautoinsurance.org/Auto-Insurance-Quotes.html

Once you have your current policy in hand, you have all the information you need to do a quick Internet comparison search with a low cost auto insurance site or comparative site such as BestAutoInsurance.org

John

martina said...

As a Newbie, I am always searching online for articles that can help me. Thank you Wow! Thank you! I always wanted to write in my site something like that. Nice to see some original content for once. I'll subscribe to your rss feed to get future updates.


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Glenda 2010 said...

That's a great collection!Thank you, we had a lot of fun to browse through
all the links although there are a couple which don't work anymore!!!Car Insurance Great job!It helps a lot.Thanks.

insurancepage said...

Very informative blog I found a lot of information about insurance policies and plans.

Tee Chess said...

Thanks for simplifying the whole process of car insurance by explaining all the facts that can help one to choose a right kind of policy. Also explain on what basis we should select a carrier and what factors help to choose the best insurance provider.
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Amber said...

car insurance or auto insurance are more security provider for our vehicle and also in accident and in serious injury too.

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