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Buying Automobile Insurance   by Austin C. Davis

Automobile insurance is an increasing expense for almost all Americans. We can't afford to have it, and we certainly can't afford to not have it. When researching insurance companies and comparing policies, it is a good idea to follow these easy guidelines to get the most coverage for your insurance dollars.

Get auto insurance quotes from as many carriers as you can. Insurance rates may vary drastically depending on the year and model of your car, the and the type of coverage you need. Consider as high a deductible as you can reasonably afford, since higher deductibles translate into lower automobile insurance premiums. And review quotes and policies carefully to make sure you are only paying for coverage you really need.

After you have gotten quotes from different carriers, it is a good idea to create a spreadsheet to help you avoid comparing apples to oranges. Set up a scenario with car repairs and medical expense to best compare the coverage differences under real-life situations.

Once you have chosen the two least expensive insurance policies for the coverage you need, contact a reputable body shop in your area for a referral. Automobile body shops deal with insurance companies every day, and you want to make sure the company you send your premiums to each month will be responsive and fair if you have to make an insurance claim.

There are many insurance carriers that I deal with in my body shop on a daily basis and a few of them I absolutely hate to deal with. These companies nickel and dime the body repair estimate to death, and they drag their feet at making payment on the claim. What does this mean to you? Slower repair time and possibly diminished repair quality due to over penny pinching. A few dollars difference in annual premium to get a higher quality carrier may save you a world of hassle in the event of an automobile accident.

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