Do you ever feel like you’re getting a short end of the stick when you buy your car insurance?
Car companies often structure their premiums and discounts in such a way that you just want to give up and take whatever they offer you. Which obviously suits the car company, not you.
For this reason, it is imperative that you inform yourself on what moves you can make to get the best out of your insurance deal. Read up, and you’ll be navigating the shark infested waters of car insurance with ease!
Here’s a list of 10 quick tips, from managing deductibles to various little tricks that can help you get the most boom for your buck:
1. Shop around: compare rates from several companies before committing
While you might want to get your car insurance hunt over as quickly as possible, it pays to do some research. Company prices can vary greatly, and they might be different for each state on top of that. If you don’t pay attention you can easily end up paying double than what you’d need to.
The best way to go about this is by checking it online, or using an online referral service. The National Association of Insurance Commissioners has a list that shows regulators for each state on a map on their website. It has a detailed report on a range of companies that operate in each state.
You can use online referral services, such as NetQuote or carinsurance.com, to compare the rates and packets that the companies you’re interested in offer.You can additionally research the insurer’s reputation online by looking up customer reviews, but bear in mind that you should take this with a grain of salt. However, if the reviews are extremely positive, or negative, that does give you additional information to work with.