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Wednesday, January 14, 2009

The Importance Of Multiple Car Insurance Qotes

By Susan Tanner

Lately it seems that more and more people are starting to drive and we all need great auto insurance. Especially for the newest teen drivers, we all want to make sure our kids are well protected and of course, our selves as well. This leads to the question which company should I go with?, some people like to go with Geico because they say they offer the best but should we get more quotes?

It is really important that you get more than one quote on your auto insurance because you never know if there is a better deal out there. I mean we all want the best and we want the most coverage like Geico promises but what if there is another plan just as good without the high cost. No one wants to over pay for what they get especially when it comes to getting their car fixed after a fender bender.

Be sure that when you are comparing quotes from different companies you check all the features included in the coverage so you are comparing policies with the same level of benefits. Compare deductible amounts and make sure that liability is not the only coverage offered at the given price if full coverage options like rental cars or road side assistance are important to you. If you want a lower or higher deductible for repairs on your car, then you must make sure that the quotes are both for the same amount of deductible.

Yet another reason for multiple quotes is to see who gives better discount rates too. Sometimes you get a discount for having multiple cars on the account or for having a certain age group too. That is a great plus when it comes to the economy today, we could all use the extra savings couldn't we? Also you need to check to see if you can choose the garage you can go to or if you have to go to one of theirs.

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.

For some people, this is a great option because the vet bills will be covered if they are injured in an accident just like the medical bills for the rest of the family. There are a lot of additional coverages available in different policies and most of us like to have extra coverage and benefits for our specific needs.

Perhaps the best reason for comparing rates getting the best coverage for the best price. You have to have good coverage for all the drivers in the family and since there is no way to avoid it,it is worth it to spend a little time to avoid overpaying for the coverage you need.

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