Below, we revisit some of the pointers to look out for when deciding on an auto insurance policy :
- Determine your state's minimum car insurance requirements.
- Consider your own financial situation in relation to the required car insurance and consider buying more to protect yourself and your vehicle.
- Review the status of your driving record — do you have any outstanding tickets or points on your driver license?
- Make follow-up phone calls to insurance companies to get additional information about the various car insurance coverage.
- Inquire about discounts you might qualify for such as a multiple policy discount.
- Evaluate the reliability of the auto insurance company you're considering by visiting your state's insurance Web site.
- Check your current coverage to find out how much in premiums you are paying.
- Get competing quotes from an Internet insurance Web site such as InsWeb.com, YouDecide.com etc.
- If you have chosen a new insurance company, remember to cancel your old policy.
Remember to practise due diligence. Save as much as you can by getting a competitive quote but ensure you are comfortable with it and if you can afford it, try to go for a higher insurance coverage rather than just the state minimum.
