5 Pernikahan Artis Ini Disebut Paling Mewah Se-Indonesia, Ada yang Masuk Rekor MURI tapi Malah Cerai

The chance of a successful auto insurance policy purchase is greatly increased when following the basics. There are five general steps, outlined below, to assist you in purchasing a policy. Selecting coverage options Knowing exactly what features you want included in your auto insurance policy is the first step. Purchasing any product or service without knowing exactly what you want can lead to confusion and dissatisfaction. Also, a proper comparison of any product or service is dependent on evaluating the same or very similar features. Basic coverage options available on an auto insurance policy are liability, medical payments, uninsured motorist, damage to your automobile, transportation expenses, and personal injury protection. Once you have decided on the features you wish to purchase it's time to shop around. Comparing rates Auto insurance companies deliver their product to consumers in three distinct ways. Captive agents, independent agents and direct from the company are the methods utilized. Captive agents are licensed agents who represent one company. Independent agents represent a variety of companies. Some companies do not use insurance agents and only deal directly with the consumer. A thorough comparison of policies should include rates from each of these methods. Be wary of submitting personal information online to comparison Web sites as this poses a risk of identity theft, spam mail and unwanted solicitations. Choosing a company and agent The lowest rate should not be the only factor in determining which agent or company you select. Well known top rated companies will provide the best customer and claims service. There are more than enough companies which qualify and that have competitive rates. Agents, captive and independent, work on behalf of the policyholder. Having an advocate on your side who is a trusted professional can be invaluable. Independent agents offer the flexibility to change insurance companies for policyholders when rate revisions or life circumstances increase premium. Completing the application Insurance companies rely on the information provided on the application to determine eligibility and rates for a specific policy. Incorrect or incomplete information on the application may result in an increased premium or a claim being denied. Understanding and fully completing all the questions on the application is ultimately the responsibility of the policyholder. When you sign the auto insurance application you are confirming its accuracy. Do not simply sign an application where an insurance agent points his finger or highlights a page. Read the application before you sign on the "dotted line." Reviewing your policy After the auto insurance company issues your policy review all the documents. An auto insurance policy is a legal and binding contract between the policyholder and the insurance company. The contract consists of the declarations page and the policy jacket (booklet). These documents are relied upon when enforcing the contract. A simple error in the seventeen digit vehicle identification number (VIN) can delay a claim or present an administration hassle when proof of insurance via the VIN number is unavailable. An undisclosed driver can lead to a denial of a claim. Reviewing your auto insurance contract for accuracy and making any necessary adjustments will avoid problems. Over the course of a lifetime an individual will typically spend tens of thousands of dollars for auto insurance. Practical purchasing strategies applied consistently over time will yield enormous savings and avoid unnecessary hassles. Author, Clifford J Schimek is President of Auto Plus Insurance, a family owned and operated Florida auto insurance agency. For additional helpful policy information please visit the insurance resource guide on our Web site or contact us directly at 1-877-WIZ-AUTO. Article Source: https://EzineArticles.com/expert/Clifford_J_Schimek/259660 Article Source: http://EzineArticles.com/2546008

Share this post