Make sure you are comparing apples to apples and not apples to oranges.
In today’s times the last thing people are really concerned with is the coverages they have on their car insurance policy-they are simply looking at the BOTTOM LINE figure. If you get a quote from a few different companies and the premium is lower with one, naturally that is the one you automatically think is better, but is it REALLY? This is where so many people are fooled and ultimately end up paying for it in the long run. Believe me being in the insurance industry I see it everyday and it is by NO FAULT of the consumer. There are so many different companies out there now days that you simply have to visit a website answer a few questions, get a quote and click, buy and print and you are all set, well so you think. This is where people get into trouble they have made it so simple to get insurance that everyone just picks the best price and TAKE IT.
Here are just a few things you need to be aware of:
- Make sure you are getting the same coverages-what I mean here is make sure you have a copy of your existing policy when you visit these sites and are getting the coverages you already have. Lots of companies automatically default to minimum limits of liability etc. So if you have say $300,000 combined single limit of liablity coverage make sure your new cheaper quote isn’t because they gave you a minimum liability limit of say for example $60,0000.
- Make sure they know of your household situation-if you have kids or other drivers in the household be sure that is noted. Nothing like getting a quote for just you and then after the company reviews the information and finds out you have a child of driving age-BAM the price could go up.
- Be honest if have any tickets, accidents etc. on your motor vehicle report-this is where alot of people get into trouble they figure if they don’t ask don’t worry about it-WRONG-they will find these out and it can either make your premium sky rocket or get ya cancelled to boot.
These are just a few key elements when shopping for car insurance- it is easy to go online find a company get a quote and just take it, but make sure you are getting what you want and most importantly the coverages YOU NEED. That is why in my opinion even though it takes some of your time, I would suggest visiting you local agency, then you can bring in your policy they can go over it with you and make sure you are getting the best possible price and proper coverage for you and your family. Again these are just few keys to protecting yourself and making sure you not only get the best price to fit your budget, but also the best coverages.