Questions To Ask Before Signing A Car Insurance Policy
Car insurance is an increasingly important type of insurance to have these days. Without car insurance, you run the risk of huge legal entanglements and huge expenses in case of a car accident or car theft. Even if your car is just in poor repair, lack of car insurance could really be a huge problem. There are many providers willing to provide you with the car insurance you need to stay safe on the road. However, car insurance policies vary widely in terms and price, so to ensure that your car policy provides you with the most coverage for the least amount of money, be sure to ask yourself some questions before signing a car insurance policy: oHave I researched car insurance on sites such as comparisonmarket.com, electricinsurance.com, insureme.com, insweb.com, and Progressive.com in order to compare prices and terms? Do I really understand my options when it comes to car insurance or am I just taking the first policy offered? oDoes my policy cover roadside assistance? Glass repair? What are the wait times on both? oWhat is the claims process like for this car insurance policy? How long does it take? What happens in case of disputes? oWhat, exactly, does this car insurance cover? What is not covered? oIs there a term when premiums are locked in or guaranteed? If not, then what is the company's history of rate increases? oWhat is the car insurance provider's history? Are they in good standing with the Better Business Bureau? Do they get good customer reviews? Have they been in business long? oHow long after signing up for car insurance am I fully covered? Is there a wait period where I am just partly covered? oWith this car insurance, do I get to choose my own garage in case of repairs? Do I get a loaner while my car is the shop? What costs do I have to cover on the loaner? oIn case of claims, do I pay out of pocket with this car insurance and get paid later, or does the company cover costs up front? oDoes my car insurance provider provide loyalty programs for long-term customers or promotions for new customers? oHave I checked my credit report for errors to make sure I get the best car insurance rate possible? Is there anything I can do about my driving record or credit history to get a better rate? What are the monthly payments? Is there any chance of lowering them?
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