Once we think we’ve found a deal, we’re ready to pounce on it. Why take a chance and risk losing it? But not every deal is what it seems. When you compare car insurance, you want to make sure you’re getting the best premium rate and coverage possible. So before you sign on the dotted line, check out auto insurance deals with CoverHound; we’ve got your back.
Compare Auto Insurance Packages Effectively
One way to make sure that you’re getting an insurance policy that meets your needs (and satisfies your budget) is by comparing at least four auto insurance policies. With our insurance comparison and shopping tools, you can evaluate competitive insurance rates offered by reliable and respectable insurance companies. Once you’ve narrowed the packages down, look at the fine print. In some cases, you may find hidden fees, or a clause stating that certain accident scenarios aren’t covered at all under the policy. By examining each package closely, you’re better able to make an educated choice.
What’s Required by Law?
No two states in the U.S. require motorists to carry the same insurance plan. Though keep in mind that every state does require some form of liability coverage. Liability insurance covers the monetary damages and injury-related expenses sustained by another driver in an accident you've caused.
Though every state requires some form of liability insurance, they only require the minimum. This minimum amount won’t necessarily cover all of the expenses in the aftermath of the accident. Because policies are compared by price, it is essential that you compare the liability limits in each package. Remember, the less expensive car insurance plan might turn out to be the more expensive one if you end up paying out of pocket after an accident.
Examine Your Existing Policy
As a licensed auto driver, you more than likely already have an insurance plan. If you’re looking to cancel your existing policy and sign-on for a new one, use what you know about your standing auto insurance package and compare it to the policies you’re looking to switch to. This will help you to understand if there are areas under your current plan that you don’t wish to cover with a new one, or if there are areas where you would like more coverage. By using your existing policy, you can better tailor a new policy to your needs.
An Uninsured Motorist is an Unsafe Motorist
Unfortunately, not everyone takes their driving responsibilities as seriously as you, and some motorists are willing to drive around uninsured. According to the Insurance Information Institute (III) as of 2012 12.6 percent of drivers were uninsured. This means that for every eight drivers you pass on the road, one of them is uninsured. If you’re driving around with liability-only auto insurance, any damages sustained to you in an accident you did not cause with an uninsured motorist results in you paying for repairs and medical costs out of your own pocket. When you’re looking at a policy, make sure it will cover you in any situation. It’s better to be safe than sorry.
At CoverHound, we put our clients needs first. Compare car insurance via our online portal today!