Affordable Auto Insurance - What Your Insurer Does Not Tell You About Your Vehicle Cover

Brian Bannon

Many auto insurance companies take advantage of their customers on a daily basis. Most of the time you do not even know about it though. Insurance companies will go to any lengths to avoid paying up and this is why you need to find the right one when looking for affordable auto insurance.

Here are some things you need to be aware of to get the right car insurance cover without being taken for a ride. Insurers hide things away they do not want you to know about in small print. Trying to figure out what is the small print to cover yourself can be hard but you can do it even if you do not know what they have hidden away. Here is how.

#1 If you have an accident tell your insurer right away. This will give them no grounds for refusing any claims later on at all.

#2 If your insurer makes any changes to any policies they have to inform you and they normally send a small document. Read it carefully, most people do not and this can be costly.

#3 Going to an insurance agent for cover is not always the best idea. Agents are sometimes tied to one company and insurance agents are more concerned with their commission and may avoid telling you about discounts and better cover to get the maximum.

#4 Make sure you are protected against uninsured motorist coverage. You should have at least $100,000 per person and $300,000 per accident. This will protect you in the case of an accident.

#5 Increase your deductible by a few hundred dollars. This can cut your premium by up to 40%. The best way of finding this out is to call the insurer or look on the internet.

#6 If you have an old car, drop collision coverage. Unless your car is worth a lot of money you will never get your money back once all deductions have been made for the accident.

If you are involved in an accident you need to have the right cover. If you do not you may find yourself with a car you cannot afford to repair or if there are injuries you may not be covered. Instead of getting the first car insurance plan you come across search on the web and find the right cover for your car and save yourself time and money and avoid wasting hundreds of dollars.

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