Auto Concourse
Cars and Insurance Blog

Getting Good Coverage, Reliable Insurer & Low Premium

May 13th, 2012

Wouldn’t it be nice if you can get everything you want from a deal? Getting all three of the things in the title right is possible. It is true that you may need to work for it and be smart about it. But think how much you would have to work to earn the extra premium you paid because you didn’t shop around. How much you would suffer in the hands of a below average insurer if you had a claim? How much you would regret if you didn’t arrange sufficient coverage?

On the other hand you would be pretty pleased with yourself if you got them all right. You would sleep better at night with this knowledge. Make no mistake that arranging the right auto insurance coverage with a decent carrier and at a low price can be achieved. And it is more important than you may think.

Satisfied DriverHow would you go about securing them all? I don’t know you but I would start with figuring out how much coverage I need. Otherwise, I would be like someone who went to grocery shopping before checking what he/she needs. You may come back home with all those junk food and nothing to cook a good dinner.

Remember that those agents are well trained to sell policies. They are likely to keep pushing your many extra staff and filling your basket quickly. You should stick to what you need and try to get them at a discounted rates.

Next, I would get a few quotes online as well as talking to a broker. If a broker can beat my online quotes they can get my business. Also, they may be able to persuade me that I am better off with a slightly more expensive but more comprehensive policy. I would want to leave all the avenues open. Both shopping online for car insurance and using a broker have their advantages and disadvantages.

Once all the quotes are in, a quick comparison would eliminate some of the providers. When I have a quote for $1,500 for the same coverage why would I even consider a $3,000 quote. I would bin it quickly especially if I have another quote for $1,800. In the same way I would think twice before going ahead and buying a policy that is only $800. If it looks too cheap it probably is.

How long do you think this whole process take you? It is unlikely that you will need more than an hour to make a smart choice. Remember that you don’t have to make a selection today or do all of these tasks at once. You can save your work online and carry on when you have a few more spare minutes.

Furthermore, you shouldn’t forget who is in charge here. Nobody should be able to sell you anything you don’t want. Every decision you make has consequences. If you don’t shop around you pay more than a reasonable premium. When you cut corners with your policy you may have to pay the shortfall out of your wallet. And Nobody wants to deal with an unresponsive and irresponsible auto insurer ever.

Find Car Deals Online

May 12th, 2012

If you are a real car buff you can spend hours checking specifications on the internet. You can see the pictures from every angle and see it driving on the road. The best part of it is that you can do it in your own speed and time and you can go back and look again. Buying an automobile¬†is one decision you don’t want to be rushing.

It is best to take everything you see on manufacturers’ sites with a grain of salt. Take fuel consumption figures for example. You will probably burn more petrol than they put in their websites. They are probably taking those measurements in ideal conditions and you will never find them in the real world, especially in the cities.

If you do your homework well on the internet you get a lot more out of test driving. When you go to a dealer to check on the cars you know a lot more and you can start feeling the vehicle. Sometimes we may get disappointed with the real thing or find that there is a lot more to it than you saw on a website. You can also check the stock of a particular dealer and book a test drive.

purchase an autoOnline resources may be extra valuable when you have limited amount of money and buying a used car. Generally used cars are in a tight price range. Therefore, you can get a lot more for your money if you do your research well. For example, if a car with 100,000 miles on it is worth $10,000 you may be able to get a similar one at 40,000 miles and you only need to pay couple of hundred dollars more.

Use some of the bigger sites where owners are listing their cars. Most of them have functions that allow you to save the cars you found. This is a very helpful feature because you get excited to see a type of car you want. As you check more and more the first car you found may not be as attractive anymore. This gives you a good comparison and insight to pricing.

You need to keep in mind that good cars go really fast. After a while you would have a good idea as to what you are really looking for or can afford. If you haven’t found one in your area you should ready your money and wait. As soon as you see one that fits the description you can pounce on it. Generally first person that sees a good used car buys it.

It is possible to choose the type of automobile you like, determine the extras and order online. Many companies will deliver it to your doorstep. But not many people would want to buy a car without seeing it. If you are buying a used car from the owner direct, you should always use common sense. Wherever possible you should take a friend or tell them exactly where and when are you going and how long you will take.