Affordable Car Insurance It Is Out There
Affordable Car Insurance - It is Out There!
Everyone wants affordable car insurance but nobody wants to pay the price .
That may not have made much sense to you but the insurance buyer has to be better informed .
There has to be some time spent on educating yourself enough to make intelligent decisions about your next insurance purchase .
Too many folks avoid all responsibility when it comes to buying car insurance .
You do not need an insurance course to understand the fundamentals involved in rating car insurance .
Look at the declarations page on you car insurance and you will find all that you need to know.
The Declarations Page
1 .
Policy Period – This is the specific time period that the policy is effective .
Some car insurance policies have an annual renewal and others have a six month renewal .
Do not shop for car insurance with a declarations page that shows that your policy period has expired .
That could cause you to be placed into a sub-standard carrier .
Shop at least one month before your insurance is ready to expire.
2 .
Vehicles – Your vehicles will affect your physical damage rate .
When shopping, make sure that you give the quoting company the vehicle identification number of all of your vehicles .
This is usually on your declarations page.
3 .
Drivers in Household – Every resident relative with a driver’s license should be listed on the policy unless they have other insurance.
4 .
Liability Limits – These are the limits for bodily injury and property damage insurance .
This is very important coverage and not a good place to cut costs if you are a property owner .
This portion of your policy pays benefits to the party that you have may have injured in an auto accident .
It also pays for the damage to their vehicle .
5 .
Physical Damage – This is your collision and comprehensive benefit that you see on your declarations page .
This is coverage for your automobiles .
Your deductible selection will raise or lower the rate.
These are some of the many policy benefits that you will find on your declarations page .
Ask your insurance company about discounts and tort option .
Learn all that you can and you can help make your car insurance more affordable.
