5 Purchase Don'ts

When buying auto insurance, it is important not to get overwhelmed. It is necessary to understand the basic concepts that apply to auto insurance before going out and shop. You also need to understand that insurance companies have different pricing structures that relate to the types of people they would insure. Most insurance companies prefer to ensure that people are married, educated, and who did not claim, or had any speeding tickets in the past three years. The best prices are for those individuals. If someone came to see me for a quote, and they had a terrible driving record, I would probably assure them, but at a rate inflated. Some companies have found their niche in the market of high-risk drivers. They charge higher rates, but they will provide good, the bad and the ugly. Here are five things to do NOT when buying auto insurance.
Not Buying Your first submission

Always shop! It may be unpleasant to give all your information by telephone to a variety of people, but as long as you stick with reputable companies, your information should be safe. Also, if you have a clean driving record and decent credit, you should not have to provide your Social Security number to get a rate quote. However, if you have a bad credit rating and driving record summary, the rate is substantially altered.
Do not Over-Insure Your "Beater"

If you have a car that is old and rusted, and not worth a lot of money, do not carry full coverage insurance. You can go directly to the liability insurance, which will protect you from liability for personal injuries to others. So, if you hit someone, you will always be protected against lawsuits, but you do not franchise collision. However, if you drive a new car, a large space deductible collision and an overall decrease deductible.
Do not Get scam by your current

If you are a loyal customer, and have been for the same company for many years, the annual demand policy review. If you do not know who your current agent, contact your local office and ask to speak to one of the main representatives. In this way, they can take possession of your account you provide free insurance review, and advise you on any discounts that may be available to you today that were not available when you bought the plan.
Do not file small claims

If you have a minor accident that is not too much damage to your vehicle, shop for some body shops to see what it would cost to repair the damage. If the repair estimate is lower than your deductible collision, then pay for the damage of your own pocket, and not to file a claim. In this way, your premium will not be in place, and you will have the same rate if you change carriers.
Do not carry auto insurance and home insurance with different companies

Many people do not know this, but many insurance companies offer multiple discounts online for home and auto insurance. If you have the owner's and auto insurance, make sure they are in the same enterprise, and that the multiple-line discount is applied. Similarly, when you shop, be sure to get a quote for auto and home insurance at the same time.