Car insurance: how to avoid paying too much
In order to avoid paying too much for car insurance, it pays to shop around for a less expensive company. I was satisfied with my insurance company, until I found one that saved me twenty dollars per month for the save coverage, which comes out to almost two hundred and fifty dollars per year. If I had shopped around sooner, I would have saved even more money. Shopping around and getting insurance quotes from as many companies as possible is a good way to save money on your insurance needs.
With so many companies and agents selling insurance, using the Internet can be one of the best ways to avoid confusion and shop for the right insurance for your needs. Searching online allows you to look for and compare companies that can provide you with insurance quotes in your area.
An important thing to remember is that like many cheap deals, cheap auto insurance is not always a good value in the long run. Make sure that you are dealing with a reputable company. If you get car insurance from a company with a record of bad customer service you may regret it if you ever you have to make a claim or even ask a simple question about your policy.
Before signing a contract with a company, check with friends, neighbors and co-workers to see if any of them have ever purchased insurance through the company you're considering. If they insure in your area chances are you'll be able to find someone who has held a policy with them, and hopefully you will be able to find someone who has had to file a claim with the company.
If possible, call the customer service number, not just the sales number. Most car insurance companies have plenty of staff on hand to sell you insurance, but once you become a customer they attempt to save as much as possible, fewer customer service representatives being one method.
See how fast they answer the phone, and if you have to go through a huge and frustrating menu of choices before speaking with a human being. If you have to make a claim on your policy, you will likely be stressed out and that is when you will appreciate dealing with a car insurance company that treats their customers well.
Published March 5th, 2007
Filed in Auto
