| Everyone needs the security of auto insurance | | | | deductible. Raise it, instead. And do carry much |
| even if never actually need to use it. Auto | | | | more than the minimum when it comes to liability |
| insurance protects you and the person you may | | | | coverage. This formula should insure that your |
| someday have a collision with. So what do you | | | | premiums will stay roughly the same. What do |
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| insurance quotes? | | | | take on? The one exception may be when it |
| Before you choose your auto insurance company, | | | | comes to young people who generally have a low |
| make sure the company is reputable. Look for | | | | net worth. Being sued would not be an enormous |
| companies with a good reputation with the Better | | | | issue. Honest, reputable auto insurance agents |
| Business Bureau. Through the BBB, you can check | | | | should be able to help you balance the equation. |
| to see if the company has had any complaints | | | | Automobile insurance agents should suggest |
| filed against it. How have these issues been | | | | another way to save on your premiums. If you |
| resolved? | | | | have health insurance already, it should cover and |
| When deciding on your auto car insurance | | | | medical bills you incur. Why pay twice? |
| company, you can also begin some of the work | | | | Check out online auto insurance. is a great place |
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| begin your file by doing a credit check (something | | | | on the Internet. Auto insurance rates vary so |
| you can do online) and discovering how many car | | | | take your time. An online Auto insurance quote |
| accidents you may have had. | | | | looks at the details and the big picture. |
| Shop carefully for an agent. Inquire about his or | | | | An Automobile insurance quote can and should |
| her experience. In some states, agents only need | | | | look at more than just your total liability. Many |
| one week of training! The real pros have gone to | | | | people mistakenly believe, for example, that |
| school to get industry credentials. Look for the | | | | $300,000 in liability provides for $300,000 for each |
| following: CPUC stands for Chartered Property | | | | injured person, not $300,000 in total liability. Make |
| Casualty Underwriters and AAI stands for | | | | sure your automobile insurance company agent |
| Accredited Adviser in Insurance. The first requires | | | | writes a policy that gives you a total amount of |
| 1000 hours of study; the second requires 100 | | | | liability per person, not just per total liability. |
| hours. | | | | Free auto insurance is not possible but free Auto |
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| comprehensive and deductibles. | | | | insurance. |
| Begin by using your car insurance dollars to your | | | | Before beginning your auto insurance search also |
| best advantage. Spend the majority of your | | | | consider looking for an umbrella policy. You can |
| money on the things that could wipe you clean | | | | often buy one for both your home and your car. |
| out. You might be able to handle a $500 | | | | Umbrella policies can give you $1 million in |
| deductible by a $500,000 lawsuit would be an | | | | coverage for between $200 and $300 per year. |
| entirely different matter. Don't carry a low | | | | |