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Tuesday, December 16, 2008

The Importance Of Multiple Car Insurance Qotes

By Susan Tanner

We all want to be certain with all the new drivers that seem to be on the road these days, we have adequate insurance coverage for ourselves. We also want to make sure that we have appropriate coverage for the newest teen drivers in the family. This often leads us to start comparing companies to see which will provide the best coverage for our needs at the least cost. Some people choose Geico because they advertise that they have the best deal, but isnat important to compare this with quotes from other companies to make sure?

In order to make a good rate comparison you need to get several rate quotes from competing companies. It is the only way to find out if there is a better price available with a different insurer. Geico advertising the best rate does not make it so. If you want to find out if another plan that offers the same coverage for less money is available you have to comparison shop the same as you would for any other item. No one wants to pay more than they have to or feel they are being taken advantage of, especially when it comes to paying for vehicle repairs after an accident.

You want to make sure that when you get a quote you look at all the features and coverage they will give you for that price. You don't want to get just liability because it is less than full coverage and loose out on the perks like rental cars. Also you have to consider that you need a decent minimum. I mean if your insurance doesn't kick in until you have thousands of dollars of damage you might want to lower that minimum.

Yet another reason for multiple quotes is to see who gives better discount rates too. Sometimes you get a discount for having multiple cars on the account or for having a certain age group too. That is a great plus when it comes to the economy today, we could all use the extra savings couldn't we? Also you need to check to see if you can choose the garage you can go to or if you have to go to one of theirs.

Many insurance companies have specific mechanics that they would prefer that you take your auto to for repair. This might be a serious issue if you live in an area with few mechanics or garages and you might have to drive a good distance to get to one they recommend or approve. This could be an obstacle if you must go to a garage that is very expensive and you have a less expensive mechanic close by that you prefer.

That is the trick with some insurance companies they will send you to the most expensive place and you have to pay a big deductible before they pay. It really is sneaky and you have to be careful who you choose. All in all it really is so important to get as many quotes as possible and see what they offer to you. Some even have great coverage for pets in case you are a pet lover.

This is great because if they get hurt you can have help getting them the medical attention they need as well as for you too. There really are a great number of added perks and benefits to each individual insurance policy and for that you need to compare. Everyone would love to have extra coverage and benefits so it is good to find the best one for you.

Perhaps the best reason to get multiple quotes is getting the best coverage for the best price. You need to have good coverage for all the drivers in the family and since there is no way to avoid the need for insurance coverage, it should be worth investing some time to avoid overpaying for the coverage that best serves your needs

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