Your Online Guide to Auto Insurance Quotes »

Guide to Auto Insurance Quotes

Shopping for auto insurance quotes online is extremely time and cost effective, assuming you know what you are looking for. When doing anything online, it is important to watch out for scams. Here are some tips for how to get reputable car insurance.

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Auto Insurance Quotes:
What is Basic and Standard Coverage? »

Auto Insurance Quotes: What is Basic and Standard Coverage?

There are many different options to consider when shopping for auto insurance quotes.
Coverage can fall under basic or standard categories, but what you pick is up to you. Keep reading to find out the differences.

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How Does your Sex and Age Affect your Auto Insurance Quotes? »

How Does your Sex and Age Affect your Auto Insurance Quotes?

There are many factors that go into your auto insurance quote premium. Age and sex are two that you unfortunately can't control. Keep reading to learn why these two factors affect your auto insurance rates.

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Auto insurance quotes are tested when you make a claim

If the worst has happened and you find yourself in an accident, the first step is to take care of your own health. Once you have that in hand, the next step is contacting the insurance company. Every company has its own detailed rules about how you are supposed to react following an accident. Failure to follow these rules can make it very difficult to get the claim through quickly. Why is this? Sadly, there are a large number of people who use accidents as a way of adding a little extra money to their bank accounts. As an anti-fraud measure, the insurers require you to produce evidence of everything that happened. We therefore go back to the question of injury. If you or anyone else in the accident claimed to be injured, you should have called for medical assistance immediately. You need someone independent to verify the extent of any injuries as soon after the accident as possible. This will help advance or defend against any claims for personal injuries.

Now as to your own vehicle. Did you drive it away from the scene of the accident? Well before you moved it, you should have taken photographs showing exactly where it had ended up on the road and how badly damaged it was. You should also have pictures of the other vehicles involved showing how badly damaged they were. As with personal injuries, you only want to pay for damage you have caused. Documenting the extent of that damage protects you. If you could not drive the car away, what are the insurer’s rules about towing? If you are in-state, you are often required to use one of the towing companies nominated by the insurer. It’s the same when it comes to repairs. Some insurers have a list of approved repair shops. Having an unauthorized towing company take your vehicle to an unauthorized garage for repair will not look good. Even if you keep all the receipts and bills for towing and storage, and they are no greater than the amounts payable to the authorized companies, you may find it difficult to claim. Under no circumstances should you permit repairs unless you surrender your right to claim. Once you have an accident and propose to claim the cost of repairs, it’s for the insurer to agree. Even if the work is only on an emergency basis to enable you to drive it around while waiting for the full repair, your insurer must consent.

Once you are satisfied you have met all the conditions for a claim and you have all the records of the accident, fill in the forms and submit them. Now the decisions you made based on those auto insurance quotes are tested. Hopefully you find the cheap car insurance cover you bought is good value and the claims are dealt with promptly. Most insurers deal with claims for car insurance online. This should not deter you from telephoning and asking for help if you are in difficulties.