Friday, December 4, 2009
Repetition is the key to success. I can't recall how many times I've seen commercials claiming to save you money on car insurance. Well, I finally decided to find out if this is true and see if I could actually save money. My vehicles are paid for, and I don't want to carry full coverage insurance, but I need to make sure I'm protected in case of any unforeseen emergencies. I prefer to shop for insurance online, because I don't like high-pressure sales tactics, or being up sold to the next package for only a few cents more per day. However, I do want to work with a company that provides the option of speaking to a real person in case I have any questions.
There are minimum coverage requirements in order to legally operate your vehicle. I admit, I hate to spend money on insurance, because I want to have something tangible for my money. For this reason, I've always carried the bare minimum required by the state. Recently, a friend of mine was in an auto accident, and they've discovered that their insurance won't be enough to cover the medical expenses of the other driver, and they could be sued for a large sum of money. This really scared me, because I always assume I'll get from point A to point B with no trouble, but you never know when something will happen.
Comparing insurance rates is the best way to ensure you're really getting the best deal. All commercials claim that they offer the best price, but why settle for the first quote you receive, when it's so simple to compare prices. For instance, if you're looking for cheap auto insurance in Texas, all you have to do is type in your zip code, and you can select from several major insurance companies and quickly compare rates. Sometimes, a commercial can actually influence my decision about whether or not I want to use a product. The gecko in those commercials really irritates me, but I found that I will actually save the most money by switching to Geico. I don't want to sound like a commercial, but it's true. It really is worth the time to compare insurance prices, and make sure you have the coverage you need in case anything should happen.