How to Find the Right Auto Insurance Policy

Finding the right auto insurance policy for you can take a bit of looking. While you may not have a lot of money to put into your insurance, it's a necessity that you simply cannot go without. You may be an excellent driver with a clean record, but that doesn't mean everyone on the road is. Through no fault of your own, you could be T-boned at an intersection because someone sped through a light or neglected to see the stop sign. Insurance helps you recover from those and other kinds of accidents and should be a high priority if you want to continue driving.

Look Around Periodically  

Unlike other services you may be paying money for, you don't have to be tied to a specific insurance company. Each year, you could save additional money by checking the rates of other insurers and comparing them to your own. During this comparison, you should also check to make sure that the same type of coverage is offered by the others. You could find that changing your provider could not only save you money, but offer a better coverage as well.

Background Investigation

Always research the company you are about to use for your automobile insurance. Some will have a less than stellar track record when it comes to assistance during an accident. It's easy to conduct a basic background check of a specific company using nothing more than a search engine. If you enter the company name followed by "complaints," you would be amazed at the results you can find. This also works with just about any company you do business with. Thanks to local search engine criteria, even local businesses could be subjected to this kind of research.

Not Every Part is Universal

Investigate the repair shops that the insurance company utilizes and accredits. Some smaller insurance companies will push for cheap and easy fixes as opposed to repairs using original equipment manufactured parts. Using third-party replacement parts as opposed to OEM could result in improper fitting and alterations to your vehicle that could inhibit future use. It's more of a common practice than you may realize. Your five-speed automobile could drive out with a four-speed transmission because the off-branded parts didn't fit the mounting holes for the bolts.

Know What You’re Getting Into

Thoroughly read through the insurance policies offered by the company. Without fully understanding what you are getting yourself into, you could be on the line for paying an outrageous co-pay or deductible should an event happen. Insurance companies are in business to make money on your ability to keep from becoming involved in automobile accidents of any sort. Some will go to great lengths to ensure that they can save as much money as possible during a claim. In some cases, insurance customers actually take carriers to court in order to enforce a payment that the company was obligated to pay.

For the young, the cheapest auto insurance is usually the one that wins out. It doesn't matter what kinds of policies are available, and the cheapest method is usually the one that is chosen. However, in-depth knowledge of your carrier should be obtained if you want to feel fully confident that you are taken care of in the event of an accident. The cheapest policy doesn't always mean it is fair and just. You could be liable for more than you could initially afford.

This is a guest post by Liz Nelson from She is a freelance writer and blogger from Houston. Questions and comments can be sent to: liznelson17 @

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