Cheap Insurance Van



Cheap Insurance Van

Cheap Insurance Van
The word shopping brings a​ feeling of​ immediate excitement to​ most people .​
But if​ you​ combine the​ word shopping with car insurance,​ as​ in​ shopping for car insurance,​ it​ produces the​ opposite effect .​
The thought of​ shopping for auto insurance makes the​ eyes glaze over and the​ heart rate drop to​ the​ pace of​ a​ slumbering couch potato.
Couch potato? Indeed .​
Doug Heller,​ a​ consumer advocate at​ the​ Foundation for Consumer Rights and a​ recognized insurance issues specialist,​ told us that too often people purchase insurance by calling the​ number on​ the​ screen.
But wait,​ this is​ important stuff! you​ want to​ be adequately covered if​ you​ get in​ an​ accident .​
And you​ certainly don't want to​ pay more for car insurance than you​ should .​
Maybe waiting for a​ solution to​ be beamed into your living room is​ not the​ best idea.
How can you​ stay awake while navigating through this murky subject? Just remember: There is​ money to​ be saved .​
How much? Hundreds,​ even thousands,​ per year .​
For example,​ one of​ the​ authors typed all of​ his insurance information into a​ comparative insurance service .​
The quotes (for very basic coverage on​ two old cars) ranged from $1,​006 to​ $1,​807 — a​ difference of​ $801 a​ year .​
If you're currently dumping thousands into your insurance company's coffers because of​ a​ couple of​ tickets,​ an​ accident or​ a​ questionable credit rating,​ shopping your policy against others may be well worth the​ effort.
Look at​ it​ this way — you​ can convert the​ money you​ save into the​ purchase of​ something you've lusted after for a​ long time .​
Hold that goal in​ your mind .​
Now,​ let's begin.
Before you​ can shop for something,​ you​ have to​ decide what you​ need .​
The first step in​ finding the​ right auto insurance for you​ is​ to​ figure out the​ amount of​ coverage you​ need .​
This varies from country to​ country .​
So take a​ moment to​ find out what coverage is​ required where you​ live .​
Make a​ list of​ the​ different types of​ coverage and then return for the​ next step.
Now that you​ know what is​ required,​ you​ can decide what — if​ anything — you​ need in​ addition to​ that .​
Some people are quite cautious .​
They base their lives on​ worst-case scenarios .​
Insurance companies love these people .​
That's because insurance companies know what your chances are of​ being killed or​ maimed,​ and how likely it​ is​ for your car to​ be damaged or​ stolen .​
The information the​ insurance company has collected over previous decades is​ crunched into actuarial tables that give insurance adjustors a​ quick look at​ the​ probability of​ just about any occurrence.
It is​ important to​ keep in​ mind that the​ basis of​ insurance is​ a​ difference of​ opinion between you​ (the insured) and them (the insurance company) .​
You believe you​ will,​ at​ some point,​ probably get in​ an​ auto accident .​
The car insurance company believes you​ probably won't .​
And the​ insurance company is​ willing to​ take your money to​ prove you​ wrong.
So how much auto insurance should you​ buy beyond your state's minimums?
Look at​ your personal financial situation,​ Dennis Howard,​ director of​ the​ Insurance Consumer Advocate Network and former insurance adjuster .​
If you​ have assets to​ protect — and that is​ all insurance is​ doing — get enough liability coverage.
Another issue Howard mentioned is​ that the​ limits of​ any uninsured and/or underinsured motorist coverage that you​ purchase cannot exceed the​ limits of​ your liability coverage .​
Such coverage,​ he said,​ can be valuable,​ as​ it​ will cover lost income if​ you're out of​ work for several months after being injured in​ a​ major accident.
Your driving habits may also be a​ consideration .​
If your past is​ filled with crumpled fenders,​ if​ you​ have a​ lead foot or​ a​ long commute on​ a​ treacherous winding road,​ then you​ should get more comprehensive coverage.
Consumers should also be aware that they don't have to​ buy the​ package [of collision and comprehensive coverage],​ Howard said .​
If your vehicle is​ older,​ if​ you​ have a​ good driving record and if​ there is​ a​ low likelihood that it​ would be totaled in​ an​ accident,​ but a​ high likelihood of​ it​ being stolen,​ you​ could buy comprehensive but not collision .​
Seems like good advice for all of​ the​ 1989 Toyota Camry owners reading this article — this has been the​ most stolen car in​ the​ nation for several years (it's often stolen for parts) .​
But we would expect that most of​ them on​ the​ road have well over 100,​000 miles.
At this time,​ a​ rather sobering point needs to​ be interjected .​
Just having car insurance doesn't protect you​ from absolutely anything bad that might happen .​
First,​ the​ insurance company needs to​ back up the​ claims that they make in​ the​ fine details of​ the​ contract .​
TV ads show folksy adjustors at​ the​ scenes of​ natural disasters passing out claims checks like coupons for cocktail wieners at​ a​ supermarket .​
But,​ in​ case you​ haven't noticed,​ real life is​ a​ bit different from TV ads .​
If you​ have an​ accident,​ your car insurance company will take a​ close look at​ your claim before mailing you​ a​ check .​
And the​ check may be written for an​ amount much smaller than you​ had hoped .​
For this reason,​ you​ should be intimately familiar with the​ terms of​ your policy and call the​ company with any questions you​ might have.
Now that you​ have made several practical and philosophical decisions,​ it's time to​ start shopping .​
Begin by setting aside about an​ hour for this task .​
Bring all your records — your current insurance policy,​ your driver license number and your vehicle registration .​
Drink plenty of​ coffee .​
Have a​ phone at​ your elbow .​
And,​ of​ course,​ power up your computer.
Begin with the​ online services .​
On many sites you​ can type in​ your information and get a​ list of​ comparative quotes .​
The form takes about 15 minutes to​ complete .​
If this bores you,​ just remind yourself that you​ are saving money and you​ can use that money to​ buy something nice for yourself .​
If the​ entire shopping process takes you​ two hours to​ complete,​ and you​ save $800,​ you're effectively earning $400 an​ hour .​
While you're researching companies,​ make notes in​ a​ separate computer file or​ on​ a​ piece of​ paper divided into categories .​
This will keep you​ from duplicating your efforts.

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