Friday, December 10, 2010

How to Choose The Cheapest Auto Insurance

How to choose good insurance is seen from many angles and certain interest for what the main goal of you to follow insurance. But the main point on choosing car insurance should contain of several general protection. Good insurance can protect you if you are sued for injuring someone or damaging their property, or if your vehicle is damaged. And in most states, it's required by law.

Too choose auto insurance is not just the cheapest one but should compare what kind of service they cover and then compare the total price. Here are how to get the cheapest auto insurance tips:
  1. Call at least three agents to ask for pricing.
  2. Ask for proposals in writing.
  3. Make sure you plan on sufficient liability coverage to protect your assets.
  4. Consider whether you need secondary coverage, like emergency road service and rental reimbursement.
  5. Tell the agent if your car is mortgaged or leased.
  6. Make certain the agent inspects your car and verifies the odometer reading and vehicle identification number.
  7. Know the value of your car.
  8. Consider dropping collision and comprehensive coverage if your car has lost most of its value.
  9. Choose the highest possible deductibles, if such coverage is necessary.
  10. Ask about discounts for age, good driving history or insuring multiple vehicles with the same company.
Nearly all states have compulsory auto insurance laws requiring drivers to carry public liability insurance. You should carry sufficient liability to protect your personal assets, and don’t misrepresent your driving record or your insurer to make the contract invalid and refuse to pay a loss.