Saturday, November 29, 2008

The Importance Of Multiple Car Insurance Qotes

By Susan Tanner

Lately it seems that more and more people are starting to drive and we all need great auto insurance. Especially for the newest teen drivers, we all want to make sure our kids are well protected and of course, our selves as well. This leads to the question which company should I go with?, some people like to go with Geico because they say they offer the best but should we get more quotes?

In order to make a good rate comparison you need to get several rate quotes from competing companies. It is the only way to find out if there is a better price available with a different insurer. Geico advertising the best rate does not make it so. If you want to find out if another plan that offers the same coverage for less money is available you have to comparison shop the same as you would for any other item. No one wants to pay more than they have to or feel they are being taken advantage of, especially when it comes to paying for vehicle repairs after an accident.

You want to make sure that when you get a quote you look at all the features and coverage they will give you for that price. You don't want to get just liability because it is less than full coverage and loose out on the perks like rental cars. Also you have to consider that you need a decent minimum. I mean if your insurance doesn't kick in until you have thousands of dollars of damage you might want to lower that minimum.

Yet another reason for multiple quotes is to see who gives better discount rates too. Sometimes you get a discount for having multiple cars on the account or for having a certain age group too. That is a great plus when it comes to the economy today, we could all use the extra savings couldn't we? Also you need to check to see if you can choose the garage you can go to or if you have to go to one of theirs.

Many insurance companies have specific mechanics that they would prefer that you take your auto to for repair. This might be a serious issue if you live in an area with few mechanics or garages and you might have to drive a good distance to get to one they recommend or approve. This could be an obstacle if you must go to a garage that is very expensive and you have a less expensive mechanic close by that you prefer.

Some insurance companies will send you to expensive mechanics and have you pay a very high deductible before they cover anything. It is very important to get multiple rate quotes when purchasing automobile insurance to see what choices you have. If you are a pet lover, it is possible to find rates that include the family pet.

For the right consumer, this is a great option because the vet bills will be covered if they are injured in an accident just like the medical bills for the human family members. There are a great variety of additional coverages available in the marketplace and most of us would like to have extra coverage and benefits that are right for our specific needs.

Of all the reasons to get multiple quotes the one that stand out the most is getting the best coverage for the best price. No one wants to be taken advantage of and you need to have insurance that will cover everyone in your family who drives. There isn't any way around being insured and you need to be willing to spend time searching for the best rate for you. - 15465

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