Wednesday, December 2, 2009

what to look for when buying insurance!

If you are one of those people that get out the phone book or get on the internet when it comes to looking for auto insurance STOP!! You are wasting your time because 9 out of 10 times a quote over the phone will change as soon as you get in the office. Start by making a list of your local insurance agencys.This might take all day but if you really want the cheapest price out there you'll need to actually walk in each office and get the most accurate quote. Disclose any and all tickets or accidents you've had in the past 3 years, remember that DUI's stay on your record for 10 years now. Make sure that your agent breaks down exactly what kind of insurance you're getting quoted. There are actually 3 different forms of insurance; Liability, Uninsured Motorist and what most people call "full coverage" which is your Comprehensive and Collision coverage. Also remember that if you're a home owner you should have higher limits of liability not just the state requirement of 15/30/5. Last but not least make sure you choose an agent that you are comfortable with! Some one who's not pushy or just trying to make a sale. Choose an agent who really takes the time to make you feel comfortable with the insurance you are purchasing. After all they are the ones trying to earn YOUR business.