Step by Step Guide: From Choosing Your Car Insurance To Filing Your Claim
Why do you need a five step guide to auto insurance shopping? Because, if you want to get the best coverage for your buck, shopping smart...
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Why do you need a five step guide to auto insurance shopping? Because,
if you want to get the best coverage for your buck, shopping smart for
your car insurance is the way to do it. Also, car insurance is one of
the top ways to chisel down your insurance budget if you know how to do
it right. Let's start with deciding what car insurance coverage you
need:
1. What Kind of Coverage Do You Need?: Before calling the
insurance company and getting your insurance quote, take the time to
decide what kind of coverage you need. In every state you have to have
at least liability coverage. But, you need to decide if you would like to add these additional car insurance coverages:
Comprehensive
Collision
If you choose comprehensive and collision coverages, you will need to decide what deductible amounts you would like. And, it is important to know what policy limits your state requires so you can decide what policy limits you would like. Other coverages you may also be interested in:
Emergency Roadside Service
Gap Insurance
2. Choosing an Insurance Company: When you are ready to
select your insurance provider, besides just looking for the best car
insurance premium, you will want to take some time to research what
insurance company you want to go with by learning about their financial
strength. Another important aspect of choosing your insurance provider
is knowing if and how they will use your credit score to determine your
rate. Take the time to research different companies and then make a
list of the providers you are interested in contacting for an insurance
quote. Here are some tools to help you research your car insurance
company:
Car Insurance Company Report Card
Your Credit Score and the Insurance Company
3. Making the Call: When you have your list of selected
car insurance providers you are ready to start calling around to search
for the one who can give you the best deal. It is important to have
certain paperwork handy, such as your drivers license number. In
addition, having a list of discounts you may be entitled to can save you
some extra money. Here are some resources to help you when you are
ready to make the call:
Car Insurance Savings Checklist
Online Car Insurance Company Quote Worksheet
4. Understanding Your Car Insurance Policy: Now that you
have your car insurance policy, do you understand what it means? Did
you get what you paid for? It is important to know how your car
insurance policy works and how it can work for you. Here is some help
in understanding your policy:
Getting What You Paid For
eCourse: How to Know if Your Insurance Contract is Legal
Car Insurance Frequently Asked Questions
5. Filing a Car Insurance Claim: Let's hope you never have to file a car insurance claim, but if you do it is important to learn some things before the accident
comes. Learning what things you need to do when you have an auto
accident can help the claims process go much smoother. Here are some
claim filing tools you will want to learn before you file a car
insurance claim:
I Had a Car Accident!
5 Steps to Filing Your Car Insurance Claim
Aftermarket Parts and the Insurance Company - Do You Have a Choice?