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Wednesday, January 6, 2010

Shopping For Car Insurance

By Graham McKenzie

With the advent of the internet, it has become exceptionally easy to shop around for dozens of auto insurance quotes in a very short period of time. Insurance companies are aware of this, and have to go to great lengths with very enticing advertising promising the lowest rates in order to compete, and get your attention and business. Before you attempt to navigate the plethora of insurance products available, there are five recommendations that will help you make out the best.

1) First of all, take advantage of the ease and relative internet anonymity and get as many quotes as you can. This way, you can easily recognize if one company is far out of line with their premium quote. Obviously one highball quote should be discarded, but also, don't necessarily jump on a one very low quote either. You need to carefully scrutinize the policy they are offering you to make sure it is an "apples-to-apples" comparison with the higher priced policies. Yes, you are paying less, but are you getting less too?

2) Car insurance quotes are based on the information that you provide during the quote process being accurate. If the information that you give to get the quote is not correct, it is likely the car insurance company will find out when writing the policy and the price you were quoted will be affected. It is important that to obtain the most accurate quote, you must be sure to enter the most accurate information.

3) When you get a quote online, you will often be contacted by a salesperson by phone. Don't succumb to the pressure to accept the quote at this time, as they will probably push you to accept. Let the salesperson know you are shopping around, and will not be making a decision until all the quotes are in. It may seem like a great price to you at the time, but you may be surprised that it is not the best when the other companies get back to you, and it would be too bad if you had already made a decision. Also, letting the salesperson know you are shopping around gives them incentive to compete for your business, and try their best to give you the lowest possible price.

4) After you get all of the quotes, narrow down your list to the best two. Then, it is time to do some serious research, and look into each company in a much more thorough manner. This is the time to make absolutely sure that you will be getting what you thought you were paying for, and to read the fine print. You may discover some surprises.

5) Most importantly, make confident you are the guise in rush of the car insurance quotes. More specifically, take all the necessary steps to indemnify that you will really obtain the duty that were quoted. In other lexis, don't let a car insurance group agreement you attractive car insurance quotes, then tell you later that because of 'this or that' you will necessary to pay more.

Remember that as the customer, you are the one in control of your car insurance purchase. If after following the steps, you are not happy with the rate or service you receive, then there are many other car insurance companies out there that will be happy to have your business. Just follow the five steps outlined above to get the best possible policy and price. - 23211

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