When you get a new car, and want car insurance, it is important to follow the following steps. They are important factors determining whether you get a good offer for your money and car.
1.?????? Get various quotations
The first thing to do when you are shopping for car insurance is to gather different company information and quotes. During the research, you can evaluate the annual monthly fees for different covers. If the insurance company has a toll-free number, note it down and use it to ask for offers and clarifications on their marketing materials.
Be sure to check the payment policies of different companies such as late payments and payment plans available.
2.?????? Only buy what you need
Finding insurance cover is always about what you need to protect from accidents. Taking time to know what you want saves you from falling into the trap of a sales person who could offer you a general cover. Generalities normally have too much than you need or lack the necessary features that you are specifically looking for.
There is too much car insurance terminology for you to consume when you are negotiation for cover. Nonetheless, if you are firm on what you want, then no amount of terminology can sway you and eventually you will get a fair deal. It is important to conduct your own needs assessment based on the risk you pose or face, so that you have a predetermined amount to use for negotiations.
3.?????? Consider getting an umbrella policy
An umbrella or excess cover is a type of insurance that comes in handy when you exhaust the limits of cover for your auto insurance or any other policy. It is important to plan and get the umbrella cover especially when you have other important assets to protect.
Sometimes, a claim on your auto insurance can be more than anticipated forcing you to dig further into your pockets, but an umbrella may save you. The extra cover can cater for things that the traditional auto cover leaves out. Moreover, buying the umbrella and your car insurance can qualify as a bulk purchases earning you more in discounts.
4.?????? Utilize your driving record to?your advantage
A good thing about driving record is that you can quote only part of it as required by the insurer. It is a good practice to avoid tickets as they put a dent on your driving record. However, sometimes it is inevitable. It could be that you were new in a town and were less familiar with its traffic and parking rules.
You can still have a clean driving record for the period in question, prior to getting your car insurance. If the prior period is six months, go out and look up your record with relevant agencies for six months. If you find that, some unwanted records are about to expire, put off your insurance buying. Wait until the tickets expire, if the remaining period is a few weeks. You can save a substantial amount in premiums if you apply of your insurance with a clean record.
The above guest post is written by Kat Edwards who is a car blogger and often contributes car tips and advice on guest blogs. She suggests visiting Car Insurance Hero to help you conduct car insurance comparison.
Source: http://www.fixmywindshield.com/articles/?p=556
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