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Tuesday, October 27, 2009

Why It's Important to Get Car Insurance Comparisons

By Andy Darwinson

Car insurance comparisons can be a big help if you need to make sure your car is taken care of. After all, the prices and quotes you get from the various insurers can be all over the board. That's why it's such a good idea to collect several quotes and make good car insurance comparisons before you sign up for anything.

Insurance agents don't like it, but when you're looking for a new policy on your car, shopping around is perhaps the smartest thing you can do. It lets you look at what options there are to choose from, what the prices are, and lets you pick the one that's right for you you.

Remember that you need to pay attention not just to price, but to what you're comparing, as well. If the quotes you've gotten don't have all the same liability limits and other conditions, you won't get any good out of your car insurance comparisons. Check over the policy carefully to make sure that your potential insurer hasn't "helpfully" offered you a plan with lower coverage than you originally requested.

Some plans look like a good deal at first glance, but careful car insurance comparisons may show that they're not what you want to buy. Double check and make sure what you've been given the quote for is something you actually want to pay for.

Deductibles, special rules, and other requirements vary by city and state, so be sure to double check. Most quotes are going to be just fine. It's just important to make sure you catch the ones that aren't. Try to get at least five quotes for your car insurance comparisons. Less than that, and your chances of being able to make the right decision are lower.

It's true that the more quotes you get the better your chances of getting a great deal. But too many choices can leave you dithering and unable to choose. Don't make it too hard on yourself. In the past few years the Internet has also proven to be a great help. Most of the time you don't even have to leave the comfort of your home, or even your chair!

Keep in mind your credit rating, too. It might not seem fair, but your insurer is doing a few car insurance comparisons of his own. They're taking a good look at your driving record and your financial history, and figuring out if it's worth it to offer you a good price, or any price at all. A history of accidents or late payments will have a large impact on your ability to get a good deal on your insurance.

Don't let yourself be tempted into lying for a better quote, though. Any insurance company you go to will take a good look at your record before they send you a contract. If you happen to forget a few details, or gloss over some unpleasantness, it will only come back to haunt you in the form of high rates and low coverage. Give them the information you have, and be accurate and honest. This will help you gain more effective, reasonable, and realistic car insurance comparisons. - 21392

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