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Shop Smart: 3 Steps in Finding the Perfect Car Insurance Plan When you are shopping for car insurance, you will need to complete several steps. This includes finding the ideal business, but then also what discounts that may be available and what coverage is actually needed. Using the following steps is the only way to shop smart for car insurance. Step 1 - Know Your Car Before you shop for car insurance, you will want to know all you can on your vehicle. The basics that the automobile insurance company will need to know are how far you will drive, the current mileage, and the year/make/model of the vehicle. However, you will want to know more when you are considering the amount of insurance you require. Some of the things you want to consider include: * How old the vehicle is * What damages may be on the vehicle * What the vehicle's worth is * Did you purchase a vehicle with a loan or cash? Step 2 - Research Vehicle Insurance Companies Doing your research may be the biggest factor in obtaining car insurance. Just because a company is cheap, it does not mean that they are the best. You want to find a great balance between the quality of coverage and the price you pay for it. There are many "cheap" car insurance companies, and they have horrific customer service, or they are able to find every loophole possible to prevent you from getting a claim filed. So, how do you go about researching an insurance company? You want to start with writing down all of the insurance companies that you can think of. Then, you want to search the Internet for any other insurance companies that may exist. This will help you find virtual insurance companies and companies that have agents with a local office. Finally, you will want to talk to your friends, family, and co-workers to find out if there are any companies that you have missed. While you are talking to others about the insurance companies, take note if they have any complaints about certain companies. You can also find out if there are any companies that they have really enjoyed. Note - Different agents may be easier to work with than others so find out if there is a specific office/agent they like! Now that you have the full list of insurance companies, it is time to start whittling down your list. You will want to go online and look at the company's history, reviews, rating with Better Business Bureau, coverage they offer, and discounts they make available. You will want to attempt to trim your list to the top three to five companies. Step 3 - Interview the Companies Once you have your top companies, you are ready to do the interviewing. You will want to conduct the interview in the office if they have one so you can see how they operate. It will also help you see how they treat their clients. You should feel like you matter, and you are not just money to them. Some of the things you want to consider when you interview include: * Do they offer you a beverage when you are waiting? * Do they offer a "goody" bag that promotes their business? * Do they offer a free estimate? * Do they immediately try to give you the most discounts possible? * Do they let you know everything the price includes and what is NOT included in your estimate? As you can imagine, this process is extremely time consuming. Thankfully, another system is available that will help cut down on step one and three! With online car insurance quote calculator, you can skip the process of finding companies. You can then do your research listed in step two. This is a vital part of obtaining car insurance, but not as time consuming.

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Reasons for Comparing Auto Insurance Quotes Auto insurance companies have on board different policyholders who pay different rates. Every company has the legal right to set its own premiums based on its experience, expenses attributed to each group and payment of claims. Therefore, the insurance rates can vary significantly among different car insurance companies, even for the same driver. Therefore, it is important to undertake the necessary steps to compare insurance quotes. The reasons for comparing car insurance rates include: · Get cheaper rates Many of the car owners are currently paying more for their car insurance because they failed to shop around and compare car insurance to get the best premium. Comparing quotes can save hundreds of pounds. Failing to compare quotes once a year could cost you a substantial amount of money. · Rates vary for similar covers When you compare policies, you get the opportunity to receive a range of prices for identical coverage. When shopping, make sure to compare like for like because some policies may look cheaper, but cover less. Therefore, at the point of making claims, you may discover you have less cover. When determining the rate, service providers often considers various factors including the age of the driver, the driving record as well as the claims history. The company also considers the car model, your state of residence, whether or not your vehicle is parked in a garage and the company's claims history. Insurance companies have their own formula for purposes of determining how these factors affect rates. Therefore, rates can vary significantly between companies, for the same coverage. · Service providers change their rates Auto insurance companies remain competitive by regularly changing their rates. When a single company introduces attractive packages at competitive rates, the competitors follow suit. Sooner rather than later, they start offering lower rates to remain attractive to existing and potential policyholders. The moment you choose to compare rates you stand to benefit from lower rates from your current provider. · Changing needs The same way the circumstances around your life change, your auto needs change too. Typically, the needs of a single, 20-year-old driver are different from those of a 35-year-old married parent. Therefore, the coverage is different. Some of the life events that may necessitate comparison of car insurance quotes include: getting married, buying a home, having children, buying a new car and passing certain birthdays. Insurance comparison will help you get the best cover for your changes at competitive rates.

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3 Ways to Get the Best Auto Insurance Quotes The insurance coverage industry and marketplace has certainly come a lengthy way. It has changed now and the number of auto insurance brokers/agents offering different car insurance policies, and lowest car insurance rates are increasing. The best way to get insurance is to look for insurance quotes both offline and online. Since the Web has revolutionized the way people communicate and the way companies market different products and services, it's simpler for us today to locate the best insurance quotes. The process of purchasing car insurance policies has never been easier now that we have the Internet. It has made the process of purchasing car insurance faster and easier. Discussed below are the different ways on how to acquire information on car insurance coverage using the web as an efficient tool. 1. Look for the best auto insurance quotes to find lowest car insurance coverage by visiting the websites of the different companies offering the service. Most insurance companies these days run their own websites as they have low cost compared to running an office. There are many insurance providers and brokers these days that are very dedicated in giving you information on the various services they offer at no cost. 2. Use online comparison tools. Comparison websites can be easily found in the internet, they can also provide good amount of information and can provide you a link to the company that you think is best for your purpose. The good thing about these online comparison sites is that you only not get best quotes these tools are also free. You do not have to spend something for it since they make money whenever you have bought a car insurance coverage policy through their website. All you need to do is to provide them the necessary information for these tools to generate the best quotes and they will deal with the rest. 3. Using quote generation tools provided by insurance companies in their respective websites is also an excellent way to get the best auto insurance quotes. By utilizing these tools, you'll save an excellent quantity of money, time, and effort that you would have normally spent when going to agent's workplace. The internet is a very convenient tool in finding the best auto insurance quotes. The insurance business has evolved ever since the Internet was invented that numerous people nowadays are relying on it to locate the lowest insurance rates. To find best auto insurance quotes, don't neglect to compare them so you get the best deal. Web developer, Junior SEO Specialist and part-time writer. Ongoing project is the Juice Cleanse website which is about healthy detox system that helps improve your immune system and removes 10-20lbs of unhealthy toxins from your colon that cannot be removed by simply exercises and diets alone.

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Auto Insurance Coverage - Why You May Need Higher Limits Insurance coverage is required to operate a vehicle in every state. Each state has required coverage limits that you must meet. And while the legally required state minimum may be enough to get you on the road, it may not be enough coverage if you were to be involved in a serious accident. If you already have insurance, or are looking to get a new policy, you may need to raise your limits above the minimum. In each state, you are required to carry at least basic liability coverage. Liability coverage pays for bodily injuries and property damage for the other person if you are found at fault in an accident. If your liability limit is $5000 for property damage, you will be legally responsible for any property damage beyond the $5000 your insurance company will pay. What this means is that the money will have to come out of your pocket. If you do not pay, the other party in the accident can file a suit against you for the remainder of the money. If you are found liable in court, then you could risk losing your assets. Assets are things of value that you own, like your house or car. Furthermore, the court has the authority to have your wages garnished, or taken, to pay the debt. Having a judgement against you could adversely affect your credit, making it harder to find loans, jobs, and car insurance. While the damages in most accidents don't exceed policy limits, it can and does happen. Here's an example of how quickly one can go over the policy limit quickly. Here in Pennsylvania, the required property damage limit is fifteen thousand dollars. If I were to get into an accident that involved more than two cars, the amount in damages could easily exceed the policy limits, especially if a car is totaled. Not to mention, medical procedures for serious bodily injuries can cost a fortune. While you may think it can't happen to you, keep in mind that accidents involving three or more cars and four or more people are not uncommon. The best way to protect yourself from such problems is to raise your liability limits. For just a few dollars more a month, you could potentially save thousands. Getting more coverage is a fairly simple process. If you already have a policy, simply call your agent and inquire about raising your limits. If you haven't yet purchased an insurance policy, get an auto insurance quote and ask your agent what he or she recommends. Insurance agents can assess your individual situation, and make an accurate guess as to how much coverage you should get. If you have valuable assets, it's recommended to have enough coverage to match your net worth. Paying for car insurance every year can be costly, but it can also be worth it. Do you know what's worse than paying for car insurance? The answer is paying for car insurance that doesn't give you the protection you need. After all, the purpose of car insurance is to protect your finances. Even if you only have to pay $1500 in damages because you went over your policy limit, it's still more than it would have cost to purchase the extra coverage. I understand that raising your limits may not be an affordable option. But consider this question. If you can't afford to raise your limits, could you afford to pay for any damages that your insurance doesn't cover? By investing a little more now, you could save yourself a lot of trouble later. As the old saying goes, "it's better to have and not need, than to need and not have." You purchase car insurance to protect your finances and assets. But without enough coverage, you could be jeopardizing both. Don't just go with the required state minimum, raise your limits to get the coverage you need.

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Accident Forgiveness - How Can Insurance Companies Be So Forgiving? If you've ever seen any car insurance advertisements, you may have heard of insurance companies providing a service called accident forgiveness. Insurance providers understand that just because you get into an accident, it doesn't necessarily mean you are a bad driver. Accident forgiveness is coverage designed to stop your premium payments from increasing because of one accident. This type of plan has become popular with parents adding children to their policies, as well as car owners who give others permissive use of their vehicles. It can reduce future premiums from rising, this is true, but is it really worth it for you? First things first, accident forgiveness is not free. If you thought that you could purchase a plan and just be forgiven for the first accident you have, then you were mistaken. When you sign up for your policy, you pay an additional fee to have the coverage, and you can apply it to one accident you have while insured. The rates for this coverage vary from company to company. If I purchase accident forgiveness and I actually do have an accident, is that accident gone for good? No. This is a common misperception car owners have about accident forgiveness. Your accident may not count towards your current premiums, but it will count when it is time for your insurance company to renew your policy. Your costs will, more than likely, increase, or you may even be denied coverage. Additionally, even if you switch carriers at your renewal, your accident will still be factored into your quote. Your provider will still assess your risk levels the same way, whether an accident was forgiven or not. I don't know of any insurance company that factors accident forgiveness into a quote for a new policy. Also, accident forgiveness coverage does not mean that you will be "forgiven" for any prior accidents on your driving record. If you've had an accident and were looking to get cheaper rates, you will have to find other ways to cut costs. The best ways to improve the overall outlook of your driving history are to keep practicing safe driving habits, and improve your credit score. I understand the goal for consumers who choose this coverage. They want to offset the possible costs of future coverage if they have an accident. What I don't fully understand is how purchasing the accident forgiveness coverage does that. In my opinion it's just not worth it. The little savings you will have will only come if you do have an accident. And if you don't have an accident, then you are just throwing away a bunch of money. If you already pay high insurance premiums because of past accidents, then I could see how this could possibly benefit you. Another accident could send your costs skyrocketing. In that case, it would be wise to add the coverage. If, however, you have a pretty good driving history, you may save more by not purchasing the insurance. As always, the choice is yours. There are a few prominent insurance providers who now offer this service. If you are interested in getting it, it may be more affordable than you think. And depending on when you have an accident, it could actually turn out to be a big-money saver. Still, the "forgiveness" may be over when it's time to renew your policy or switch carriers. Every individual situation is different, and every insurance provider is different too. Speak with your agent about what accident forgiveness means for you, how much it costs, and how the accident forgiveness coverage will affect future insurance policies. Be sure to find out if your accident will count when it's time for renewal. Get a clear understanding of the service before purchasing, and then go from there.