::: Car Insurance Policy Information :::

Car Insurance Policy
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::: Car Insurance Policy Articles :::

Buying Car Insurance

by Austin Davis

Automobile insurance is an increasing expense for almost all Americans. We can't afford to have it, and we certainly can't afford to not have it. When researching car insurance companies and comparing policies, it is a good idea to follow these easy guidelines to get the most coverage for your insurance dollars.

Get discount car insurance quotes from as many carriers as you can. Automobile insurance rates may vary drastically depending on the model of your car and the type of coverage you need. Consider as high a deductible as you can reasonably afford, since higher deductibles translate into lower insurance premiums. Review quotes and policies carefully to make sure you are only paying for coverage you really need. If you have homeowner insurance, ask your agent if you are covered already for certain items you might be charged again for on your auto policy.

After you have gotten quotes from different car insurance carriers, it is usually a good idea to create a spreadsheet to help you avoid comparing apples to oranges. Set up a scenario with car repairs and medical expense to best compare the coverage differences under real-life situations.

Once you have chosen the two least expensive automobile insurance policies for the coverage you need, contact a reputable body shop in your area for a referral. Automobile body shops deal with insurance companies every day, and you want to make sure the company you send your premiums to each month will be responsive and fair if you have to make an insurance claim. The body shop probably has a good insider opinion on how the insurance company operates, how long it takes to get an adjuster to view the damaged vehicle, how long it takes to get paid on a claim, how fair the estimate was, were used parts requested versus brand new parts and so on.

Trust me, a 10 minute talk with a reputable body shop manager can reveal a lot of great information about an insurance company and how they tend to handle their claims. A few dollars difference in premium dollars to get coverage from a company that handles their claims properly may save you a world of hassle in the event of an automobile accident.
About the Author

Austin Davis is a consumer advocate committed to helping you with car insurance Houston and car insurance New Jersey. Visit http://www.freecarcity.com



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::: Car Insurance Policy News :::

Car Insurance Policy - Google News
Car Insurance Policy - Google News
Car Insurance Policy - Google News

Diana Clement: Many insurance traps for the unwary - New Zealand Herald
4 Jul 2008 at 1:35pm

Diana Clement: Many insurance traps for the unwary
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Come to DC and wreck your car - Seattle Post Intelligencer
3 Jul 2008 at 8:00pm

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A study by Allstate Insurance shows that Washington's drivers are the worst, averaging an accident every 5.4 years. Maybe...



New car drivers urged to check insurance before driving abroad - Netcars
3 Jul 2008 at 7:40pm

New car drivers urged to check insurance before driving abroad
Netcars, UK - 19 hours ago
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260million insurance fraud last year - Channel 4 News
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Channel 4 News

260million insurance fraud last year
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What to know about insurance before you rent a car - WSAV-TV
2 Jul 2008 at 1:02pm

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Anatomy of an auto policy - Lake Cities Sun
3 Jul 2008 at 11:21am

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Car insurance needs to be checked by holidaymakers - Only Finance
2 Jul 2008 at 10:47am

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?If you have an insurance policy in any EC country that policy will be valid at the minimum legal level in ot...




::: Car Insurance Policy Blogs :::



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