How to Buy Car Insurance

How to Buy Car Insurance


How to Buy Car Insurance. Follow these helpful hints before you sign
on the dotted line. You will need A credit report Knowledge of
local law Careful consideration Competing quotes Extra coverage A credit report Knowledge
of local law Careful consideration Competing quotes and extra coverage. Step 1. Check your credit report for errors. Insurance companies use your credit rating
to help determine your rate. Request a copy of your credit report by logging
onto annualcreditreport.com or by calling 1-877-322-8228. You are entitled to one free copy per year. Step 2. Find out the minimum car insurance required
by law on your state’s Department of Insurance web site. Only New Hampshire and Wisconsin don’t require
car insurance. But since they do require people to pay for
accidents they cause, many people carry it anyway. Step 3. Consider buying more liability insurance than
your state requires. Consumer groups recommend a minimum of $100,000
for injuries per person, $300,000 per accident, and $100,000 in property-damage liability. Most American car insurance does not cover
you if you’re driving outside the United States. Some policies are valid in Canada and Mexico,
but check if your coverage meets those countries’ requirements. Step 4. Collision coverage pays for the repair or
replacement of your vehicle. If your car is more than five years old or
worth less than $4,000, it may not be worth it. Step 5. Comprehensive coverage covers you if someone
steals your vehicle or if it’s damaged by a windstorm, fire, hail, or vandalism. But if your car is more than 12 years old,
unless it’s a valuable vintage set of wheels, the cost may outweigh the potential benefit. Step 6. Weigh the advantage of other add-ons, such
as extra medical coverage, emergency roadside assistance, and glass breakage. Consider buying uninsured or underinsured
motorist protection, even if your state doesn’t require it. This provision protects you if someone with
no insurance causes a collision with you. Step 7. Shop around. Get a general quote from an insurance company’s
web site by plugging in basic information like your zip code and car model. Some web sites offer quotes from several companies
so you can compare rates. Just be aware that these quotes reflect a
bare-bones policy with no add-ons. Step 8. Once you choose a company, ask if you’re
eligible for discounts. Having air bags, antilock brakes, or an antitheft
device can reduce your rates. So can a clean driving record, carpooling,
a car with low mileage, and good grades if you’re a student. Drivers between 50 and 65 also may qualify
for discounts. Step 9. Choose the highest deductible you can afford
in order to pay the lowest premium possible. Step 10. Once you decide on a policy, pay the entire
premium up-front to save the monthly service fee. Did you know An estimated 14 percent of drivers
in the U.S. are uninsured.

About the Author: Michael Flood

31 Comments

  1. Great all around info!

    Two things they should have discuss a little better is the Liability & Deductible.

    Liability (Third Party Liability) coverage is probably the most important to get. It protects you if you cause damages to other people's stuff. If you don't have any and run over somebody….you'll end up getting sued & financially ruined.

    Deductible is the first amount of damages on your own vehicle not covered if you're at fault (meaning you have to pay this yourself).

  2. Hmmm. I never said that the internet or the english "languege" (yet another typo that I don't believe is LEET) is the property of America. When you put someone/something down, you look like even more of a jackass when you can't use spell check. And I believe you did type your reply in english, no?

  3. Just go with whoever makes the funniest commercial, otherwise those companies are all wasting their time.

  4. get auto insurance online,insurance quote,automobile insurance,car insurance,
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  5. never pay a past due amount on your car insurance, especially if you didnt get into a car accident, its not like you can go back in time and risk an accident…

  6. EXTEND YOUR AUTO COVERAGE
    Your policy is actually a package of seven primary auto insurance coverages. Each coverages has its own separate premium amount. Your payment is the total of these separate amounts added together for each car listed on your policy.

    Here's a list of the primary coverages
    Bodily injury liability,Medical payments, no-fault coverage,Comprehensive physical damage coverage,AND OTHERS
    FOR CONSULTATION OR QUESTIONS
    CONTACT OUR LICENSED INSURANCE AGENTS CALL

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  7. I saved over 60% on my car insurance by comparing discounted rates using a site my friend told me about, i thought i might share it to help somebody out, here it is: ( discount-auto-insurance-rates . info )

  8. This video is pretty good. It's just easy to put off getting car insurance once you start looking into your credit report. There's really nothing you can do about it other than do a better job moving forward. Good video though.

  9. All these comments are great! One option I urge you to check out is MCA! Never heard of it? lol Well pm for details on another option that certainly can compete with AAA but have great benefits with lower cost! 🙂

  10. Great auto insurance tips that will help you save big. I know because I've personally used some of these to shop around and get a good rate.

  11. *pro-tip for getting cheap insurance* Use an independent insurance agent (not associated with GEICO, Progressive, Allstate, or any of the big guys).  You will get the cheapest rates from them because they don't have to pay a percentage of their earnings for the corporate affiliation.  My favorite place to use to compare quotes for the cheapest rates is "4AutoInsuranceQuote" (Google them), but really any quote comparison site will do.

  12. Need car insurence? Or maybe just want to shop around for a cheaper rate! Well you have found it, shop around with the best/top 50 insurance companies around the nation. The best part is that your only a phone call away!

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    Use solution number (5VRLF) and last name (WICKS) 

    Get your discount today! It wouldn't hurt to try!

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