Ten Steps to Auto Insurance Satisfaction

These ten guidelines will assist you, to purchase good auto insurance coverage. (Even if you do not put your vehicle on the road, it is wise to obtain appropriate insurance coverage.)

1. If you have never purchased auto insurance before, do some research, before you sign any kind of a policy. Be sure to understand the coverage, terms and conditions. Research can be made through an agent in person, on the telephone, or even online. Remember that there is plenty of help available. If you do not understand terminology, use an insurance term glossary, as you may not fully understand the used terms, ex. premiums, public liability, deductibles, etc.

2. Is the auto insurance company a reputable insurer? Check out the company that you are planning to use. Talk to others. They may have had good or bad experiences. That way you will be able to make a more informed decision.

3. Weigh the cost of the premiums on your policy against your actual coverage. Are you comfortable with the coverage? Keep in mind that you may add or reduce according to your needs. Use sites like OnlineAutoInsurance.com to compare auto insurance from other companies. Find out exactly what kind of rates are being offered by a variety of carriers.

4. Make certain that the coverage that you choose to invest in, gives you adequate coverage for the full cost of vehicle repair, or replacement if you feel your vehicle has current value worth insuring. If you're financing or leasing a vehicle, make sure that your requested coverage satisfies your contract.

5. If you're eligible for discounts, take advantage of them. Many will skip out on savings which could've been adding up over time. Some discounts are automatic and some will require your volunteered notice such as low-jack and driver safety discounts.

6. Be careful in terms of clauses in your contract. Watch out for excluded drivers and realize that they will not be covered and should not drive your vehicle. You do not want any uncovered losses at a later date.

7. Find out what you will be required to pay up front in terms of repairs, if you are involved in an accident (deductibles). Will the insurance company assist you in any other way, i.e. in terms of towing, rental car expenses? Some don't find out that they don't have a rental car until an accident occurs.

8. Look closely at your coverage dates, making certain that you know exactly when your coverage begins and expires. What is involved with respect to the renewal of your policy? Is there discounts for paying up front or allowing automatic withdraw from your bank account? Do I have a grace period if I pay late. Do I have late fees?

9. Consider purchasing online car insurance because it may save you some money. Alot of companies are offering discounts for online purchase. Also it may come in handy to be able to manage your policy online because it is convenient to many.

10. Is what you are buying all inclusive in terms of cost and coverage? Is there coverage being excluded such as uninsured motorist coverage, which may be added at a later date.

If you follow these ten guidelines, you will ensure a better quality and a suitable protection - brought to you.