Car Insurance

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Your car is a significant investment, and you'll want to protect it with adequate car insurance. In fact, most states require automobile owners to have insurance. For many shoppers the first instinct is to find the cheapest car insurance available. While this approach is tempting, cheap insurance can cost you even more money in the long run.

Choosing an Insurance Company

Although money is a practical consideration, other aspects are even more important. As you compare insurance companies, consider:

• How long has the company been in business?
• What is its reputation?
• How does it handle claims?
• Does it have a 24-hour emergency hotline?
• What is its cancellation policy? Does the company automatically cancel policies after a claim?
• What types of coverage are offered?
• Does the company offer rental car coverage while your car is being repaired?

Factors Determining Rates

You should be wary of any insurance company promising cheap rates across the board. Insurance premiums can vary widely. Most reputable companies offer personalized insurance quotes based on a number of factors, including:

• Age
• Marital status
• Driving record
• Credit history
• Type of car
• Use of car

Auto Insurance Discounts

Many insurance companies offer various discounts to help off-set the cost of auto insurance. Some common discounts include:

• Automatic seat belts
• Air bags
• Auto alarm
• Antitheft system
• Antilock brakes (ABS)
• Driver's education
• Multiple cars
• Safe car
• Safe driver

Car Insurance Summary

Auto insurance is an important purchase. Although you hope you never have to use your coverage, you need a policy that will come through for you in bad times. Let LoveToKnow help you separate fact from fiction and make a decision you can live with.