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Friday, January 13, 2012
Does the Cheapest Car Insurance Rates Also Mean the Best?
Thanks to the power of today's Internet, there is no reason whatsover for you to wast precious time with the incomplete picture you get from bulky cumbersome phone books, messy newspapers, and auto insurance agent phone tag.
Before the Internet, you'd simply just shop around using bulky phone books and/or messy newspapers when looking for cheapest auto insurance or ask your current car insurance agents. Thanks to the Internet's power for finding and getting you the best car insurance rates, this is no longer the case.
These days, thanks to high speed systems that fuel worldwide Internet access, getting the most affordable car insurance rates from the top insurance carriers is as easy as jumping online and conducting a fast safe secure search for auto insurance.
Today's online car insurance quote systems provide not only the convenience of not having to visit or call different insurance agents, but also saves you gas by eliminating such time consuming visits that quite frankly may leave you disappointed for one reason or another. The Internet could get you the best rates in seconds. Best of all, they're fiercely competing for your business, so they will do their best to give you top coverage for the lowest rates possible.
Here on the Internet, you'll find countless websites that provide absolutely free car insurance comparisons from the country's leading insurance companies. This allows you to pick and choose who you would like to provide the coverage that you need once you've selected the policy that meets your needs.
About the Best Car Insurance Rates
Unfortunately, quite an uncomfortably high number of drivers engage in practices that contribute to high car insurance rates.
Think about this for a minute. If you have a track record of running red lights, getting speeding tickets, and other questionable driving practices that not only put you at risk but others at risk, why would insurers give you the cheapest auto insurance rates? Why would they want to open themselves to your greater accident potential? That's just not good business sense, and a driver's car insurance rates will reflect the status of their driving record with their local Department of Motor Vehicles. So, with that said do what you need to do to clean up your driving record since clean driving records are a major factor when it comes to getting the cheapest car insurance rates available.
Opt for higher deductibles. Your deductible is the amount of money you have to pay before your insurance kicks in and pays for the remaining costs incurred in the accident, which include damages and repairs. If you have a $1000 deductible and sustain $900 in damages, you pay it out of your pocket. On the other hand, if you sustain $1,500 in damages, you pay the first $1,000 and the insurer will pay the remaining $500 if the cause of the damage is not subject to some contract exclusion.
The higher deductible allows insurance carriers to lower your monthly premiums since your assuming more financial responsibility for any insurable incidents which may occur.
You have no control over personal and car information factors when it comes to getting insurance, and they are a major contributor in the underwriting decisions pertaining to your policy. Just make sure you don't lie and ask plenty of questions regarding what discounts you may be eligible for under your driver classification.
Does The Best mean The Cheapest?
The best auto insurance rates do not always mean the cheapest ones. To get the best car insurance rates, this usually means that you would need to get comprehensive coverage that is both practical and broad even if your insurance premium's not inexpensive, as the best rates for the money shelled out could mean better coverage.
On the other hand, cheapest auto insurance rates may not be your best deal due to the potential for contract exclusions that may be in place for that price in relation to other policies. These contract exclusions may end up costing you dearly should the unthinkable occur, so you need to weigh your potential insurers carefully in regards to what you get for the money. So shop around and see what's out there as you wouldn't appreciate finding better coverage for less money after you've signed on the bottom line. You'll be glad you did.