More on Life Insurance…
posted in Uncategorized |Collision insurance covers repairs to your car or a fair market value replacement if you total it in an accident, no matter who is at fault.
You can purchase car insurance several ways: in person through an independent insurance representative, through an insurance branch office in your area or through an online company. If you are a member of an organization like AARP or AAA, you have options to purchase insurance through them as well. It is all down to a matter of several things: who will offer you the best rate and who will have the best customer service should you ever need to file a claim.
Independent insurance agents or an insurance branch office may provide the best customer service simply because you can do business in person. However, in order for their rates to beat everyone else’s, chances are that they will frown upon anyone with a few dings in their driving record. An online company might offer you some great savings but you will not necessarily know how their customer service is until you have an accident. Plus, they tend to be more cut and dried. You may not be able to tweak your insurance policy online like you could with an independent insurance agent who could tell you some of the ways to save on your policy like a multi-driver or defensive driving class discount.
With a membership organization, you will likely realize the most savings because both you and the organization have a vested interest in each other. They want to keep you as a member so that you can continue to pay your yearly dues so they will probably even be a bit more lenient if you have had a ticket in the past that could raise your insurance rate.
Be sure to weigh all your options before signing the paperwork. You don’t want to be stuck with insurance that will not adequately protect you when you need it.
