Friday 16 August 2013

Westhill Consulting – Car Insurance Tips to Help You Buy Smarter


Car Insurance Tips to Help You Buy Smarter


It doesn’t have to be intimidating; buying auto insurance doesn’t have to be stressful.  There are many options to customize your policy needs base on your budget.  If you are knowledgeable with some basic information you can make smarter insurance decisions.  These car insurance tips can help you trim down choices and save time and money.

  • ·         Make sure you’re legally covered


From state to state, requirements of car insurance vary but one thing is the same virtually everywhere in the U.S. and it is if you drive a car, you’re required to have some form of car insurance or proof of financial responsibility.  There are more than few factors such as your driving record and insurance history, may affect your policy rates.  You may begin here to find the minimum requirements for your state.
  • ·         Understand your insurance options

Car insurance can sometimes be a bit confusing sometimes; it can be complicated to look at because of many choices available to protect you and your car.  For you to understand basics, there are nationwide offers such as the following the difference between collision and comprehensive, before you call an agent or get a quote online.
·         Get at least three quotes
It will help if you get quotes from at least three insurance companies you compare price and service options.  It is necessary that you request the same coverage from each to get an apples-to-apples comparison.  Rates may differ from one company to another.  Remember that not because it is the lowest it is the best because the lowest priced insurance may not give you all the coverage you need.  Check for every detail,  look  at price, amount of coverage, benefits and claims services before you make your decision.
  • ·         Take advantage of discounts

This may surprise you, a number of discounts available to lower you for auto insurance rates.  An example is if you insure multiple vehicles with Nationwide or stay with us for at least five years, you may receive substantial savings.  You have to ask about these and other auto insurance discounts when you shop for a policy.
·         Look for extra help when you need it
Nationwide tenders extra products and services for purchase to give the drivers in your family even additional protection.

Ø  Accident Forgiveness –With this optional coverage, Nationwide will not raise your auto insurance rates following your first at-fault automobile accident.
Ø  Roadside Assistance – Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. Get covered for fuel delivery, lockout service, jump-starts and more.
Ø  Loss of use – If you can’t drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.



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