Welcome To DiscountAutoInsuranceFAQ.com! We are your one-stop solution for all info related to discount auto insurance.
Looking for cheap insurance rates? Perhaps for companies that offer big savings? We have all the info you need and we are here to answer YOUR frequently asked questions about car and truck insuring rates.
Like most people today, you are probably browsing around looking for low-cost car or truck insurance online, right?
One BIG Word of Advice – COMPARE!
Yes, be sure to compare rates from many companies. The law says we have to PAY for insurance on our vehicles – but it does NOT say we have to OVER pay for it, does it?
Compare Auto Insurance Rates
A big and expensive error that many consumers make happens when they fail to compare auto insurance rates. When consumers examine a cheap insurance company before making a final decision, they often find out that the policy they’re being offered won’t meet their needs after all.
What may come as a surprise is that not every driver needs to have more insurance than the state requires him or her to carry. The reason for this is because you should base your policy on your financial situation, your lifestyle and on your driving history.
If you’re a careful driver with a spotless history, when you compare auto insurance rates, you’ll be given a better quote than those who aren’t. But let’s say your state’s property damage requirement is only $20,000. You have an at fault accident with another vehicle and that vehicle, worth $30,000 is totaled. That leaves you responsible for that extra $10,000. Now if you have $10,000 socked away in a savings account, then you’d be fine. If you didn’t, that money would be recovered from you another way. If you’ll look at the cost of cars today, you’ll see that many of them cost more than the state’s bottom line property damage requirements for coverage.
Always pay attention to the fine details of any general auto insurance policy you consider. And, also always ask for any special rates you may qualify for like good student discounts or military discounts.
Compare and Ask….and check around before making a final decision on your cheap auto insurance company and policy.
Get a Great Discount Auto Insurance Quote? Things to Know BEFORE You Change Auto Insurance
If you’re thinking about changing your policy to switch to a new car insurance company, there are a few rules you have to know in advance. Well, they aren’t really “rules” – more like helpful tips that can help you make the switch to a new auto insurance company that better suits your needs and budget requirements.
First thing first – why do you want to change your auto insurance?
Is it because you think it’s too expensive and feel you’re paying too high of a premium? Like most consumers, when you come across a better rate and get a good insurance quote, you’re ready to switch ASAP.
Customer service matters, too. Are you changing companies because your current insurance company doesn’t offer the amount of service and support that you’d like to have? Depending on the reason why you want to change insurance companies, it’s important to know that it can affect the way you shop for new coverage.
If you pay your policy month-to-month, you can switch out your policy during any month of the year. However, if you’ve paid a year in advance or prepaid in any way, you can check with your insurance company and ask if they’ll allow you to get a partial refund based on the unused portion of your coverage.
Make sure you notify your current auto insurance company in writing that you’re changing your car insurance to another provider. Or, if you just want to change your existing policy’s coverage, but stick with the same company, you can phone in and make the change verbally – but get something in writing and make sure you have them send you a confirmation letter of the changes being made.
When you change auto insurance, you may run into a situation where the company you’re with now charges you a cancellation fee. Not all carriers will do this, but it is legal and some of them take advantage of it.
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