Best auto insurance rates-not always the cheapest
Accidents, by their very definition, are unpredictable. If we could predict them, then we could avoid them. We would be a lot safer and we would never have to worry about getting insurance. But this is the real world and accidents can happen at any time. The strange thing about insurance is that we often feel as though we don't really need it. It feels like we're paying for something we may never use. The truth is that you do need it, but that doesn't mean you should pay more than you have to for it. Looking for the best auto insurance rates makes a lot of sense.
Notice that we are talking about the best rates, and not necessarily the cheapest. You have to be careful when shopping for affordable insurance because some companies keep their premiums low by having poor coverage. Sure, you may pay hardly anything every month, but it will only be wasted money if they don't pay enough when you have an accident.
You need a policy that has enough coverage for the most common accidents. For example, you are far more likely to get into a fender bender than cause a multi-car pileup on the freeway. However, you never know what kind of car the other driver will have, and it could be an expensive new car. Anywhere from $25,000 to $50,000 should be enough to cover most vehicles on the road.
So far that only covers property, which has a clear-cut limit. That's not the case with medical expenses. In fact, it's the potential medical expenses that can really add up. One "minor" accident could bankrupt you if you don't have enough insurance. Perhaps the injuries are legitimate, or maybe they are being trumped up by a money-hungry lawyer...but the truth is that it doesn't matter because either way it could end up costing you a lot of money. Having medical coverage of $100,000 to $300,000 is a good start, though you could go higher if you can afford it. The best auto insurance rates take this into consideration and try to offer you value for the money.
You can save money on your auto insurance by seeing what discounts each provider offers. If you have a clean driving record, are female, over a certain age, have anti-lock brakes, have a high credit score, live in a safer neighborhood or already have another policy with the same company, then you may qualify for some serious savings. It's worth checking into if it means you can save some money.
The other way to save money and get the best auto insurance rates is to have a higher deductible. This may be a bit of a gamble, but it's an easy way to get the coverage you need at a price you can afford. Either way, having car insurance is a must (in some states it's the law), but you can still get a good deal on it when you know what to do.
TAGS: best auto insurance rates not always the cheapest, auto insurance, insurance rates, cheapest insurance, auto insurance
Article Source: Messaggiamo.Com
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