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5 mistakes to avoid when buying auto insurance

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Most people have negative feelings about their auto insurance: They're required to pay for a service that they may never use. The law requires drivers to have auto insurance, there are many misperceptions about it that may influence the choices you make when buying your policy. Here are five mistakes to avoid before you buy auto insurance. www.WestHollywoodInsuranceAgency.com

PURCHASING YOUR LIMITS BASED ON THE MINIMUMS YOUR STATE REQUIRES RATHER THAN THE TYPE OF VEHICLE YOU DRIVE.
No question it's important to be legal ח companies won't sell you auto insurance below state minimum requirements, but selecting just those minimums may leave you with the risk of large out-of-pocket expenses if you ever have a claim. If you drive a SUV and you hit another vehicle, the damage could be massive. In West Hollywood, California the state only requires a $5,000 minimum for property damage and you cause $20,000 in damage to a Mercedes, guess who's responsible for the remaining $15,000? Yup: You are, not your insurance company. It is in your best interest when choosing your insurance limits; consider the size and weight of your vehicle and how much damage you could cause if you hit another vehicle. If you're not prepared to pay large chunks of money out of pocket, you may want select higher limits.

BUYING YOUR POLICY BASED ONLY ON PRICE ALONE RATHER THAN BY WHAT IS OFFERED IN THE CONTRACT.IF YOU GET SEVERAL AUTO INSURANCE QUOTES AND YOU BASE YOUR CHOICE ON WHO CHARGES THE LEAST WITHOUT EXAMINING WHAT THE IN INCLUDED IN THE OFFER FOR THE PREMIUM, YOU MIGHT BE SELLING YOURSELF SHORT. MAKE SURE YOUR QUOTES ARE AS SIMILAR AS POSSIBLE TO SEE WHAT THE BEST PRICE AND BEST COVERAGE, AND CHOOSE SIMILAR LIMITS ACROSS ALL QUOTES TO COMPARE APPLES TO APPLES. ALSO, CONSIDER A COMPANY'S AVAILABILITY BEFORE YOU PURCHASE YOUR POLICY. WHAT GOOD IS A COMPANY THAT HAS NO CUSTOMER SERVICE? NONE

NOT DISCLOSING UP-FRONT ABOUT YOUR DRIVING HISTORY.
If you don't disclose tickets, accidents or other moving violations during a quote, your rate will not be accurate. The price may be attractive at first, you will be in for a surprise when you actually purchase the policy. Insurance companies will find out about driving.

Call today 310-275-2076
www.WestHollywoodInsuranceAgency.com

Article Source: Messaggiamo.Com





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