Car Insurance

Finding the best deal on Car Insurance

When seeking the protection of an insurance policy for your beloved auto, it pays to shop around. There is nothing new or unconventional about this wisdom but there are hidden mine fields that can blow up in your face when you least expect it.

 

The great temptation that many people fall in the trap of, is the “going after the cheapest quote” method. I know that when you are planning your car insurance, you are not planning for a car accident or car theft, or even considering the costs of a criminal lawyer, should you have had the unfortunate situation of being involved in an accident without insurance.

 

No, none of these things are top of mind when gathering insurance quotes.

 

It really does pay dividends to do your homework or due diligence on who and how much you are going to invest with, when it comes to the tricky business of car insurance.

 

Today there are a growing number of online services that act as a good starting point when comparing costs. It is very easy to type in the search engines, insurance quotes or car insurance and see what the results show up. Websites that allow you to enter as much pre-requisite information that an insurance company would require of you to fill out a paper based application, can be entered into an online system once and stored for the duration of your inquiry or even stored for when your return at a later date.

 

Some of the things that these online comparison website fail to provide is after sales feedback from customers. Now you probably realise that no one ever makes a complimentary noise or comment online, in a forum or chat room, in the social media circles of facebook, twitter or in a blog, but it can pay high dividends if you take the top 3 quotes and then put them to the test by what I call the “irate method”.

 

It goes something like this, customer signs up for cheap insurance deal on their beloved motor vehicle, as they feel comfortable with the premium cost. They are happy to pay the insurance under writer his money on a monthly basis via direct debit from their bank account, and until something goes wrong and they need to make a claim, all feels well.

 

It comes down to the fine print in the contract and it is something the cunning insurance companies know about the human nature, that gets you into trouble if you are not shrewd or wary about your great deal on your car insurance.

 

You see, no organisation starts out to think how wonderful it would be to pay claims when someone like you, (one of their customers) has the unfortunate mishap on the freeway and your car is damaged, needing repair. No they don’t build them like that anymore, when it comes to cars, and the insurance game is no different.

 

What driver organisations to offer insurance whether it be on your car, home, boat or business is the desire to make profit. Anyone in business can understand this as it makes perfect sense. The fact is you need to be careful with your money.

 

So what sort of “gotcha’s” should you be looking out for when it comes to the fine print? Do you think that I am encouraging you to actually read all that boring legalese before signing on the dotted line?

 

Rest easy, there is a far simpler way and it doesn’t involve reading boring insurance contracts or fine print of any sort for that matter. These contracts are written in small type so that you will not read them. Even if you did take the time, you virtually need to have your attorney present to interpret for you, if you are going to make any sense of all the jargon and double speak.

 

Remember I mention the “iRate Method” a little earlier? Well it is a fantastic method that could save you hundreds if not thousands of dollars in unpaid claims that you may be at risk of losing if you choose poorly.

 

As I mentioned, people make noise when they feel cheated and these days they make a lot of noise online. By simply using Google, Yahoo or Bing to search for people with gripes, you will find those that understand the insurance fine print only too well, but also unfortunately a little too late.

 

You can go and type in searches that use the insurance company’s name and the word “ripoff” or “scam” or “complaint” to see what comes up. If anyone has been tricked and lost a claim because of fine print, then you can beat your bottom dollar you will find them and a whole lot of other people complaining online.

 

When someone is irate they tend to make the most noise. As they say, make a happy customer and they will tell two or three friends. Make an unhappy customer and they on average tell 11 other people. Bad news can travel fairly fast on the internet.

 

As great as the internet is for fast online insurance quotes, the often overlooked benefit of the irate or unhappy customer sending up a red flag for others to steer clear, is one method of being able to skip the fine print and take advantage of the sorry folks who wished they had been warned beforehand.

 

If you find that there are enough people whinging out loud, then it might be time to look elsewhere for your car insurance premium or time for another insurance quote elsewhere.

 

Services such as the B-B-B or better business bureau are also good places to browse if you are in doubt as to whether or not your premium is a good deal or not.

 

To find out more about car insurance, please do visit our website for more information can be found at http://car—insurance.org/