Image : http://www.flickr.com
Car insurance is one of "those things" in life that you just can not avoid, unless you really like public transportation and are willing to give up your car. But lets face it, few of us wants to wait for a bus in the freezing cold rain or spend our days memorizing bus schedules. In all states, law requires insurance if you plan to take your car out of your driveway, and in some states even if your car will not make it out of the drive way you still have to have insurance to own it.
The good news is shopping for car insurance is much easier today than it was ten years ago. The internet makes national insurance companies fight for customers, which means great opportunities for you to save. In the past you had to open a phone book, find insurance companies, call each one, repeat the same information over and over until you found a good deal. Now you can simply visit specific companies websites for a quote or use on of the free services that get multiple quotes instantly for you to choose from.
There are a few things you do need to know before you plug in your information and start comparing quotes. First, you should do a quick search to see what the minimum coverage requirements are for your state, as these vary. You will also need to have the dates of any moving traffic violations (parking tickets do not count) or accidents you have been in. You will also need the year, make model and vehicle identification number of your car. Lastly, if you make payments on your car you will need the lien holder's information.
Once you have gathered this information and found the company or broker site you are getting a quote from you will need to decide on the type of coverage you need. If you have car payments you will need full coverage, or comprehensive collision, insurance. If you own your car outright the choice is yours to make, but remember while liability insurance is cheaper it does not cover damages to your own car. So basically, if you total your car in an accident and are found to be to blame, you are out a car. Generally only people with older cars that have a low value will want to go this route.
Be honest about your past tickets and accidents, as the insurance company will eventually run your motor vehicle report and catch you if you try to hide anything. That can result in penalties, higher payments and cancellation of insurance. Once your quotes are in, pick the best one for your needs and budget and you are ready to drive!
See Also : Blog Ferret Digital Frame Online homeowners insurance quotes Audio conference calling
No comments:
Post a Comment