Car Insurance: Five Things to Do When Shopping for Car Insurance
By Russell D. Longcore
Shopping for car insurance can be confusing, frustrating and expensive. But you can save
hundreds of dollars annually if you’ll use the strategies listed below.
Remember, folks. I’m an insurance adjuster. I’m the guy that keeps the promises that the
insurance company makes. So, I bring a perspective to this topic that comes from years of
handling insurance claims, not selling policies.
When I get a claim, it means someone who drives and owns a car bought car insurance.
Then, something happened and there was a loss. Then, the policyholder submitted a claim to
their insurance company.
But, at that point, the policy is already in place. The contract has been signed. The premium
has been paid. This is NOT the time to find out that the coverage YOU THOUGHT YOU
HAD is different from the contract.
Unfortunately, this is the most common moment when people find out their car insurance is
not going to work like they had hoped. And do you know who it is who gets to break that
news to the policyholder MOST OF THE TIME?
The Agent who sold the policy? No.
ME!! The Adjuster!
So, in an effort to help you buy the right car insurance, here are five tips when you are
shopping for car insurance.
1. Get at least three quotes. Ask your friends, neighbors, relatives and co-workers
who they have chosen for car insurance. Ask them for good and bad experiences.
Five quotes would be better. Also, start shopping about three months before your
renewal date, so that you have plenty of time to make a smart decision.
2. Choose high deductibles and high liability limits. Choose the highest deductible
your budget will allow. Choose higher liability limits than just the minimum limits
that state law requires. In today’s world, personal injury is expensive, and jury awards
are always high. What happens if you only have $50,000 liability coverage, and a jury
awards a claimant you injured $250,000?
3. In your quotes,