Shopping For Auto Insurance
We all hate the dreaded task of buying car insurance. It is a long process that takes too much time and it is boring but you are required by law to carry it. Today we are going to talk about different ways to shop for car insurance.
The most time efficient way to shop for car insurance is over the internet. You can type car insurance into any search engine and thousands of results will appear. Next you will need to decide which carrier is best for you. It is always better to go with a well known national company. It is not recommended buying car insurance from “Joe’s Car Insurance”. You will surely get poor coverage and poor service. Choose a provider that has been around for several years and that is well known.
When you choose an auto insurance company, you want to verify its credentials. A good way to do this is by going to the Better Business Bureau’s website. You can enter the name of the carrier and check to see if they have a good status. Once you establish this you can go directly to the insurances website. Make sure you take your time and read everything very carefully. You need to enter in all of your information such as your legal name, birth date and social security number. Most people are very leery of giving their social security number but it is required by all insurance companies.
Once you enter all of your information it will give you different coverage option. It will tell you what is required by your state as the lowest coverage available. It will also list options with added coverage such as towing and rental car reimbursement. Be prudent enough to add rental car reimbursement. The last thing you need when you get into a car accident is worry about a car to drive you back and forth to work. There is nothing worse than trying to get a ride everywhere you need to go. Also, get extra bodily injury coverage. If you are hurt in the accident you will need a source of money to pay your bills until you can return to work.
After you choose your desired coverage it will tell you how much money is required to start the policy. You need to enter in your billing information and give them a checking account or credit card to process the payment. The more money you put down the less your monthly payment will be. Most auto insurance companies also offer a discount if you pay for the entire six month policy. This can add up to big savings so if you can afford it do it. Once you complete this step it will take you to a section where you can print your auto insurance identification card.
You will have coverage almost immediately. You can’t afford to not have auto insurance. If you are caught without auto insurance you can get a ticket with a fine of up to five hundred dollars. If you get more than one of these tickets you could face losing your license. I know times are hard but you really can’t afford to go without auto insurance.