Steps To Buying Auto Insurance

by Administrator 25. February 2013 09:27

While most people do not mind spending days or even weeks researching on what car to buy, they are much more carefree when it comes to buying auto insurance. However, buying the correct insurance for your car can make a world of a difference, not just in ensuring that you are well-covered in case of an accident, but also in saving substantially over a year’s course. The ideal auto insurance is one that offers all the coverage you need, without burning holes in your pocket. Enlisted below are the basic steps to follow to get one-

  1. Decide how much coverage is needed- The first, and most important step when buying car insurance is to decide how much coverage you need. This decision should be made taking into account the requirements of the state you live in, as well as your past driving record and how you intend to use your car.
  2. Analyze current insurance policy- Unless you are a first time car buyer, you probably already have an existing policy. Make sure you understand it thoroughly and are well aware of the exact amount you have been paying, both monthly and annually. This will help you to be a well-informed buyer and to have a figure to beat.
  3. Know about your driving record- It is a great idea to check your driving record with your state’s motor vehicle department, to know if any tickets or points you earned in the past are likely to disappear soon. If that is the case, it is worth it to wait for that period, as it could significantly lower the cost of your insurance.
  4. Begin shopping- With all the groundwork done, you can now actually go out there and start comparing what different insurance companies have to offer. Needless to say, this is the most critical part of the process. You shall need to invest enough time to compare quotes, search for discounts, and make phone calls to companies that sound interesting.
  5. Review insurance company- When you have finally singled down one company that meets your requirements, be sure to do some surveying on their track record, and read customer reviews just to verify their reliability.
  6. Verify policy before signing- The final step is signing the policy, but before you do that, be sure to carefully review it. You want to make sure that there are no hidden costs, and also confirm important factors such as whether the company shall use original parts in case of any future replacements that might be needed. Finally, be sure to cancel your old policy and carry proof of your current insurance with you at all times.

 

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Why Auto Insurance Is So Important?

by Administrator 9. February 2013 10:36

Auto insurance is required not just because the law enforces it, also for the protection of the driver and passengers travelling in the car. Most states have made it obligatory for car drivers to have at least PIP (Personal Injury Protection) and PDL (Property Damage Liability). Without these, one is not allowed to drive a motor vehicle in the United States. In case of an accident, the insurance company provides coverage for anyone who sustained injuries as well as damage caused to the car or any property.

Since the insurance cover differs depending on the insurance company, type of vehicle, driving experience, past driving record, and other factors, it is a good idea to carefully evaluate your options before choosing an auto insurance plan. While the law requires you to have basic coverage for your car as mentioned above, you can increase the coverage according to your needs. This might include coverage for burglary, fire, etc, which might not be included in the basic plan.

You should also be clear about the terms and conditions of a deductible, right from the word-go. A deductible is the amount you will have to pay in the event of an accident. Even though your insurance company will pay for the repairs, but you will still have to pay a certain sum depending on the extent of damage and your insurance coverage. If the accident was caused due to the mistake of another driver, his insurance company will be liable to pay the deductible on your behalf.

All these factors prove that the decision of choosing the right insurance company is very important. The two major aspects to look for while making this choice are - fair rates and maximum coverage. It is always a good idea to do some research on an insurance company that you are considering. You can do it by reading customer reviews and asking the firm for references. Some insurance companies offer a lot more than just insurance of cars as their policies also cover commercial vehicles, motorcycles, boating and personal watercraft, motor home, travel trailers, etc.

Generally, the wider the scope of an insurance company, the greater is its experience and reliability. For Free Quote and Cheap Insurance in Killeen, Copperas Cove, Gatesville, Austin and Temple TX, call Shawn Camp Insurance at (800) 212-2641. Shawn Camp Insurance specializes in Auto, Progressive, Homeowners, Recreational Vehicle RV, Boat and Motorcycle insurance.

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