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OK let's face it. There are many different
auto insurance company that wants you to join their
insurance policy and every company looks like they have the best
deals to offer. However, to be honest with you, I think they all
look the same to me. So How do you choose which company and
which plan for you?
First, you need to ask what your budget is. You need to know
what your finical status is and how much you can afford every
month for auto insurance. Then you can narrow down some of the
more expensive coverage in your insurance plans.
Second, decide the amount of coverage you want. Decide whether
you want 15,000$ coverage per accident or 30,000$ coverage per
accident. Normally, people will try to save money and choose a
lower coverage. Personally, I would recommend choosing full
coverage that would an accident fully. The reason is because the
price difference between the two are minimal compare to the
amount of they cover. For example, the difference maybe 10$
amount which means 120$ a year; however, if you get into an
accident, the insurance policy will pay you maybe 50,000
than 15,000. You see the difference?
Lastly, find out what is the price range is for the coverage you
have selected. After you know how much you want for your
coverage. Go to different companies and ask how much their price
is for the same coverage by calling them or checking it on their
website. After you know how much different insurance companies
cost find a well known brand with the lowest price on the same
coverage.
**hint: you can higher your deductibles and lower the cost of
the insurance company. However I would not do that since, you
only save maybe 5$ a month and you have to put up with more if
you get into an accident.
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