When you get a new auto, or your auto insurance runs out, you want the best auto insurance price you can get. The fact is that if you are not careful, you could end up paying 20-50 per cent more to insure your auto than you need to.
To get a good auto insurance price, you need to shop around, and get at least three quotes. But the question is: How? Sure, you could get on the phone, as most insurers have freephone numbers, or you could just leave it to a broker to get the best price.
You won't get the latest information on the phone
There are two problems with these methods. First, you are not likely to get to all the best auto insurance prices. The Yellow Pages are never completely up-to-date, so if you rely on that source for insurers you may not reach a new, competitive company. If you leave it to a broker, you will only get quotes from companies the broker deals with – not every insurer. In fact, some insurance companies deal only directly with the public and do not use brokers. Because they do not pay the broker a fee, you usually get a better price.
Googling not the best answer for this one
The most up-to-date place to find auto insurance prices is clearly the Internet. But this is one case where you may not get the best answer by Googling. The reason for this is that many of the websites listed are not actually insurers nor brokers but directories of insurance companies – and these sites are not always updated regularly.
You really want to get to a quicker way, where you can be sure that the source of auto insurance prices has can access a large number of insurers. There are a number of sites that do this, but the best I have found is this one. Here you just key in your details and you will get a great comparison of quotes, giving you the best auto insurance prices.
you can discover how to compare auto insurance rates and get the best rates at Auto Insurance.
January 9, 2008
Auto Insurance Price
The Importance of Proper Insurance in Auto Accidents
When a driver is in an automobile accident with another driver who has insurance with proper coverage, recovery for damages is generally straightforward. However, not every driver carries automobile insurance, which is in violation of state compulsory automobile insurance laws, or has the proper coverage. People do drive vehicles without insurance and are cause an increasing number of accidents each year. When an automobile accident involves an uninsured/underinsured motorist, recovery for damages becomes more difficult.
An uninsured motorist refers to a person who is the driver responsible for causing the automobile accident (the at fault driver) and has not insured their vehicle. An underinsured motorist refers to a person who is the driver responsible for causing the automobile accident (the at fault driver) and has insured their vehicle but at limits that are insufficient to cover all of the damages sustained in the automobile accident.
A driver who is involved in a car crash with a driver who has no insurance or has insufficient insurance, then their insurance company would cover the costs if the driver had included uninsured/underinsured motorist coverage in their insurance policy. This takes care of medical expenses, property damage, and other compensatory damages. An insurance policy that includes uninsured motorist coverage can also play an important role in cases or injuries that are due to a hit-and-run car accidents. Uninsured/underinsured motorist coverage can also be utilized if a pedestrian is hit by a motor vehicle.
It is extremely risky to drive without insurance or without proper insurance, so always be sure that your insurance is up to date and covers all of your motor vehicles' needs. If you have proper insurance, then your insurance company should cover the costs of an accident in the case that you are at fault. If the other driver is at fault, then their insurance should pay. However, in the case that the other driver does not have insurance or their insurance isn't sufficient, it is wise to have an insurance plan that covers you even if you are hit by someone without insurance.
Although a driver can possibly sue a uninsured/underinsured motorist if their insurance does not include uninsured/underinsured motorist coverage, there is no guarantee that the uninsured/underinsured motorist will have the money or assets to pay the judgment. For this reason, having uninsured or underinsured motorist coverage in your insurance policy is a good idea.
If you have been in an automobile accident and have suffered injuries, you may have a legal case. If you would like to contact a lawyer, please use the Find Attorney button at the top of the page.
For your source for everything legal on the web, visit LegalView.com. At http://www.legalview.com , you can gain admission to an entire legal database that includes an attorney referral service available to you at no cost. Visitors who use this service can use the resources to find information on a variety of legal issues and contact expert attorneys such as a traumatic brain injury lawyer or a mesothelioma attorney. Visitors can also find an auto accident lawyer at here
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