Are You planning to buy new car then it is the time to read about good Car Insurance policies as well . Here are the 6 tips every one should know before going for Car Insurance
Compare Insurances online :
One of the best ways to shop car insurance on a budget is to compare car insurance online. There are many online companies that offer competitive pricing, but it’s up to you to find the best one for your vehicle.
Say no to Unnecessary things :
Another way to save money with your car insurance is to keep your policy as simple as possible. Say no to extras like rental car coverage etc . These aren’t necessarily services you need, and they can really drain your budget.
Ask Your Agent Discounts :
Discounts are awarded because the insurance company sees you as a “better risk.” Here are some discounts you should look for: multiple vehicles, driver education courses, good student, safety devices, anti-theft devices, low mileage, good driver/renewal, auto/home package and dividends. Not all states offer all discounts, so check with your agent to see if you qualify .
Optional Coverage :
The most commonly recognized coverages, in addition to the basic liability coverage, are collision and comprehensive coverage. Collision coverage pays for physical damage to your car as a result of your auto colliding with an object such as a tree or another car. This is relatively expensive coverage and is not required by law. Comprehensive coverage pays for damage to your auto from almost all other causes, including fire, severe weather, vandalism, floods and theft. This coverage will also cover broken glass and windshield damage. Comprehensive coverage is less expensive than collision, but is also optional.
Combine policies with one carrier :
Many insurance companies offer multi-policy discounts, such as buying a homeowners policy and auto coverage from the same carrier. You might also be able to save money if you insure all of the vehicles in your household on one policy or if you insure all of your driving-age family members on the same plan. Be sure to do your homework though, since there’s a chance you could save more money buying policies from multiple carriers.
Read Your Policy Carefully :
Auto insurance policy is a legal contract. It is written so your rights and responsibilities, as well as those of the insurance company, are clearly stated. When you purchase auto insurance, you will receive a policy. You should read that policy and make certain you understand its contents. If you have questions about your insurance policy, contact your insurance agent for clarification.
Follow these basic tips before buying any Car insurance