1. You are a set of risks
Car Insurance providers see you not as a person but as a set of risks. They weigh many risk factors about you when deciding what premium to charge you for coverage. Many of the important risk factors are obviously related to your diving history. Insurance companies also weigh other factors though to. The will also consider factors like your occupation, where you live, and who you are. When you buy car insurance, no matter how friendly the insurance agent may be, remember that in the end you are a set of risks.
2. All insurance companies are NOT equal
All insurance companies don't offer the same product, therefore prices will differ. You need to be sure to shop around to find the best prices. One way to do that is to use our free quote calculator.
3. State Minimums aren't always good enough
Most states require a very small amount of insurance. Some states have old minimum requirements that require smaller amounts of coverage that aren't enough to cover the cost of an accident anymore. OFten you can get a significant amount of extra coverage for a relatively low price.
4. Ask for discounts
Discounts are available for those who have demonstarted reduced risk. If you know you are a low risk driver, don't be afraid to ask for a discount. Billions are wasted annually because people don't ask!
5. Demand quality parts
If you do happen to be involvd in a car accident, make sure you demand quality parts for your vehicle when it's put back together. Some companies will try to buy you reduced quality reproductions parts for your car. Don't allow that to happen. AMke sure you demand original equipment manufacter (OEM) parts.
6. Beware at accident time
At accident time, your insurance provider's job is to get you back on the road, but with as minimum cost to their company as possible. Sometime the insurer's perspecitve will not always match yours. You need to make sure you prove all of your losses so you can get everything you deserve.
7. Read your policy before a claim
Before you file a claim, make sure you read over your policy to be sure you know what to expect.