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Westside Kia >> Articles List >> Ten Steps in Buying Auto Insurance

Ten Steps in Buying Auto Insurance

In case of an accident, your first requirement is to get adequately covered through auto insurance and you do not want to either pay higher. As a matter of fact, most people are doing this as they do not have time to shop for an auto insurance plan. However, by obtaining an insurance cover will help in not saving your money but, will help you when you are in trouble. In case you are paying a lot to your policy because you have an accident, an unfavorable credit rating o some tickets, getting an insurance plan against others is worth the effort. 


Step 1: Decide on the coverage amount


To get the right policy, decided on the amount of coverage you want. As this varies from one state to another you can find this in the list of requirements along with their explanations of every state. In case you are a new driver, you can check with the National Association of Insurance Commissioners for the insurance cover amount.


Insurance firms are on the risk business and they are very well aware about the likelihood of the policy holder to meet an accident. The data obtained by the companies are crunched through actuarial tables which provide the probability of occurrences of an accident. 

According to experts, the more assets you hold, the greater should be the liability coverage. General recommendations for the liability limit are $50,000 for bodily injuries in case of an accident and $100,000 for all people injured in an accident as well as $25,000 for any property damage. 


The driving habits of a person are also considered when determining the insurance cover amount. If you have past filled with accidental records and similar aspects, then a complete coverage will be good for you. Collision coverage pays for the car damage which occurred due to an accident or hitting an inanimate object whereas, a comprehensive coverage addresses that type of damage which was not a result of collision.


Step 2: Review present policy


Go through the current policy contract to get information. Note the amount of present coverage and the amount paid. Determine the monthly and yearly cost of the insurance.

Step 3: Check your driving record


You must know the number of tickets you have. You can check this with the state’s department of motor vehicles. If any ticket is about to disappear, wait for it as nothing can drive the price insurance up as a bad driving record.


Step 4: Solicit competitive quotes


Check with online services to get a quote for insurance rates. Type in your information and get quotes. Many friends and family members can also recommend you a website where you can check from.


Step 5: Inquire about the company

Take careful notes in researching the companies so as to make comparisons. Track the annual and monthly rates for policies, the contact info of the insurance company and the payment policy.


Step 6: Contact companies


After gathering information about the companies, contact them and get a quote. Contacting through phone can be effective as compared to the internet.


Step 7: Ask for discounts


Ask for discounts offered on different plans. If you have a good driving record, you can get one for sure. Many companies are also offering discounts if you enroll in the plan of pay as you drive. In this way you will get a better price for the plan.


Step 8: Asses the track record of the company


Check about the credibility of the company you have selected. This can be done from the consumer information source from the National Association of Insurance Commissioners. Independent insurance agents are also a good source. Financial strength ratings as well as consumer satisfaction ratios are also good means to assess the company.


Step 9: Review prior to signing the policy


Go through the policy carefully before signing it. Check whether all your requirements have been included. Look for words ‘like kind and quality’, ‘aftermarket parts’ or ‘new factory’ as this might not be suitable for those who want to keep the car for some time.


Step 10: cancel the previous policy and carry proof


Cancel the existing coverage when you have got a new one, many state require you to carry proof so safe a copy in your wallet.


These are some Insurance tips from kia car dealerships.

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