Purchasing the Best Car Insurance

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Car Insurance
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Purchasing the Best Car Insurance
In the past, car insurance was not a necessity,
as some people went for it and some did not.
However, today an auto coverage policy is one of
the crucial things in your life, if you own a
car. People need proper coverage, no matter how
luxurious or modest their car is. The way
people buy insurance has also changed. In the
past, buying a car insurance just meant to meet
your neighborhood agent and ask him for it. But
now, it is somewhat different, as you have got
lots of other options at your disposal from where
you can get your vehicle insured, with some
entirely new coverage choices.
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Buying car insurance Which method to
choose? When you want insurance for your car,
you might be puzzled as from where you should get
it. Should you deal with an insurance agent or
should you go online? You can choose among
different options for getting your car insurance.
This includes Buying from captive agents Buying
from independent agents Buying online People, who
prefer personal services and like to form
face-to-face relationships, should certainly
purchase their policy from an agent. But, since
there are different agents, they need to decide
which one is the best for them.
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• Buying from captive agents
• You should buy your coverage from a captive
  agent, if you are dedicated to a specific
  insurance firm. Since captive agents deal with
  only one company, they will know all the
  different insurance options offered by that
  company. And, thus they can assist you to build
  the right package based on your needs. However,
  captive agents may take more time to respond to
  your questions and to know your needs as compared
  to independent agents who work for commission.
• 2. Buying from independent agents
• You should buy a policy from an independent
  agent, if you want to check out the different
  insurances provided by different companies, as
  independent agents deal with several companies
  and not just one particular insurance firm. This
  way you can get a better rate.

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3. Buying online The third option is to skip
insurance agents completely and to work directly
with the company online. However, for this you
have to do most of the work yourself. You have to
conduct a thorough research on different coverage
providers, what they offer, the rates of their
insurance, and what all their policies cover.
Then, you can talk to the company that best fits
your needs to procure the coverage itself. Among
these, some insurance companies that employ
agents do not necessitate you to work with them
and a few of them do not employ agents at all.
Buying auto insurance online is one of the best
options for you if you do not have much time and
want to get inexpensive car insurance, as it
saves you from paying commission to an insurance
agent
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• Select your type of coverage
• Besides deciding which company to go with, you
  must also consider which policy you want. There
  are three main types of policies, including
  traditional, usage-based, and per-mile car
  insurance. So,
• Have a look at these three car insurance coverage
  programs before you settle for one particular car
  insurance.
• 1. Traditional auto insurance
• In this type of auto insurance, the insurers
  determine the quotes for the policy with the help
  of various personal factors, such as your age,
  driving history, gender, credit score, etc.
  Generally, the more risk you have as a driver as
  per these factors, the more high your insurance
  rates will be.

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2. Usage-based auto insurance In this
type of car insurance, like Allstate's Drive wise
or Progressive's Snapshot, you get a telemetric
device, which you have to plug-in your car. This
device records how you drive and your driving
behavior, especially your bad driving habits like
accelerating or hard braking.
As opposed to the traditional car insurance,
where insurers presume your driving skills
depending on a list of different risk factors and
your accident history, usage-based car insurance
providers offer you car insurance by seeing you
in action in real.
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3. Per-mile auto insurance Per-mile auto
insurance providers also use a telemetric device,
but they focus on just one thing, that is how
little or how much you use your car. However,
this car insurance type is still new and is not
available in every state. Among others, Metro
mile is the best provider of per-mile car
insurance and is available in seven states until
now, which are California, Illinois, Oregon,
Pennsylvania, New Jersey, Washington, and
Virginia. Additionally, per-mile providers use
the same elements as traditional insurers in
determining your car insurance rates, but you can
save some money through its telemetric device. If
you do not use your car much and use it only for
emergencies, then your premium may be cut
significantly. However, if you normally drive
your car, then there are fewer chances of you
saving money from it.
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Shop around No matter how you purchase your
insurance, whether you go for a dedicated agent
or you directly sign up with a car insurance
provider, you must shop around in order to get
the best rates. Do some homework and do not just
settle for the first deal that comes your way.
This is because rates for the same policy can
differ from one company to the other by thousands
of dollars. Therefore, comparing different car
insurance offers is the best possible way to land
up a good deal. Source http//ezinearticles.com
/?Purchasing-the-Best-Car-Insuranceid9392201
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