Tips For Choosing the Best Car Insurance Policy

Check the following tips for choosing the best car insurance policy and visit our website to get free car insurance quotes.

  1. auto1 - Cars-to-InsureCheck for minimum coverage. States’ legal minimums for insurance coverage should be considered just minimums and it is strongly recommended to acquire policies with much higher limits. If you’re found guilty in a crash and only have the state minimum required coverage, you risk being held personally responsible for paying the other party’s damages.
  2. Choose a highly regarded insurance company. You should do some research and find out which companies rate the best at customer service, handling claims and discounts. Chose companies with low complaint ration and excellent financial stability indexes and excellent standings with BBB.
  3. Ask more about crash repairs. Check to see where your insurer sends you for repairs, as the repair shop may push you to use cheaper replacement parts, rather than original equipment from the manufacturer (OEM parts). Many tests have discovered that some non-OEM parts can fit poorly, are more prone to rust, and don’t necessarily meet federal safety standards. So, when choosing an insurer, make sure to ask if they pay for OEM parts or cheap aftermarket parts. If you appreciate quality, stick with OEM parts.
  4. Check all available discounts. Discounts are available for drivers considered to be lower risk (older, married, and/or long safe driving record) or those who take a driver-training course. Anti-theft and certain safety equipment can also reduce your cost. Bundling insurance with auto and home is another option to consider, but check out the total costs with and without combining policies to see which scenario is cheaper. Also, you may want to look for discounts provided if you pay premiums in advance, choose to pay premiums electronically and if you are affiliated to a certain organization.

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