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.
How 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.