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Sunday, December 14, 2008

The Importance Of Multiple Car Insurance Qotes

By Susan Tanner

There seem to be more new drivers on the road daily and we all want to be sure that our car insurance will cover us if we are involved in an accident. Many of us are particularly concerned about the cost of having good coverage for the teens in our home who are new drivers. This often gets us to look at the options for comparable coverage from different insurance companies. We are interested i getting the best possible coverage to meet our needs at the lowest cost we can find. Some people simply believe the advertising and choose Geico's claim of providing the best deal but doesn't it make sense to take the time to get quotes from competing auto insurance providers to be 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.

Another good reason to shop rates is that some companies may offer better discounts than others. Many companies offer discounts for multiple vehicle coverage or drivers in certain age groups. The additional savings gained this way can be a big plus for most of our budgets! You may also want to see if the company requires you to use a particular mechanic or garage for repairs or if the choice is completely up to you.

Some insurers have specific mechanics that they require you to use for covered repairs. This might be a problem if you live in an area that would require you to travel to get to one they recommend or approve. This could also be an obstacle if you must go to a garage that is very expensive and you have a good, inexpensive mechanic close by.

Some insurance companies will try to send you to very expensive mechanics at which you will have to pay a very high deductible before they cover anything. It is very important to get multiple rate quotes when purchasing automobile insurance to see what your choices really are. If you are a pet lover, you can even find rates that include the family pet.

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.

Of all the reasons to get multiple quotes the one that stand out the most is getting the best coverage for the best price. No one wants to be taken advantage of and you need to have insurance that will cover everyone in your family who drives. There isn't any way around being insured and you need to be willing to spend time searching for the best rate for you.

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