Getting the Best Auto Insurance Rate

It's never fun to shop for car insurance. Trust me! What looks good on the outside may be very, very different on the inside. And what works for me may be a bad idea for my neighbor.

We've all seen the commercials where the insurance company flashes dramatic 'savings' amounts on the screen - This driver saved $$$ over this-company and that-company! or You could save up to $$$ by switching to our-company. Technically, those claims are all true - under rather specific circumstances. It's important to know when they're true, when they're not, and - most importantly - when you can take advantage and save money. That requires some basic knowledge and/or research.

In a nutshell, if you have: a good credit rating, a clean driving record, no lapses in auto insurance coverage, own a vehicle without a lien that isn't popular with car thieves, and live in a low-crime zip code, you can get amazing insurance rates. (If you have all of those things, they may be knocking on your door begging you to switch to their company!) For the rest of us, we need a helping hand. That's why different companies have different options for different drivers.

If you have a poor driving record or repeatedly let coverage lapse on your car, 'ABC Insurance' won't cover you. So, you go with 'XYZ InsCo,' which will write a policy for you, and you pay more. Over time, your driving record improves, you maintain coverage, old problems fall off, (new problems don't appear) and you can now get coverage through a 'ABC Insurance.' Your premiums drop accordingly and, sometimes, dramatically. That's why - You could save up to $$$ by switching to our-company.

Additionally, some of these savings may be like comparing apples and oranges. Policy A for $200/year (don't we wish?) may have slightly less coverage or a higher deductible than Policy B for $400/year. It's all in the fine print and careful coverage selection. Because slapping any-old coverage on your vehicle is bad. You can end up paying far too much or, even worse, you can end up with too little coverage.

For example:

• If you have great medical coverage through your job that will cover you under any and all circumstances, you may not need medical in your auto insurance. (Be very, very careful about reducing medical coverage.)
  
• Conversely, if you've recently lost or reduced work-related medical coverage, you many want to consider adding medical to your auto policy. There are many levels of coverage available. (It wouldn't take a serious accident to have a serious financial impact, if doctor and hospital bills aren't covered.)

The Learning Center at 2insure4less.com is a great place to start learning about what coverage is right for you and your family. And how to communicate those needs to an insurance company. Sometimes, just knowing what to ask or how to ask, can make a big difference.



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Jules