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(EMAILWIRE.COM, August 30, 2010 ) Los Angeles, CA - Buying auto insurance is a big investment, and consumers should take the time to get informed and choose a policy wisely. Although a buyer may be able to quickly find a policy with minimum price and minimum coverage, opting for less-extensive coverage could end up costing a policyholder in the end. OnlineAutoInsurance.com advises shoppers to consider their individual needs.
The majority of states require motorists to have liability coverage, and the Texas Department of Insurance (TDOI) suggests that consumers take pains to learn the particulars of any attractive policies in order to get the most amount of coverage for their premium dollars. The TDOI advises shoppers to compare auto insurance prices and coverage provisions from at least three carriers, though it is easy for consumers to go online and efficiently get quotes from a large number of coverage providers.
Some questions suggested by the department regarding coverage provisions are as follows: Does this liability policy cover other members of the household as well as people who drive the insured car without permission? Does the policy provide coverage when driving someone elseÂ’s car or a rental car? All of these questions and more should also be asked when purchasing coverage for property damage coverage or personal injury protection (for consumers living in states with no-fault automobile insurance laws). Many first-time buyers of insurance may not think to ask about coverage at this level of detail, but these provisions can tell a person a lot about the versatility of the protection that is being offered.
Source: http://www.tdi.state.tx.us/consumer/documents/autoworksheet.pdf
Before beginning to collect estimates, consumers should also think about whether paying a little more in order to get additional coverage would be a wise investment. Most states require drivers to carry only bodily injury and property damage liability coverage, but plenty of other types of coverage exist. For instance, given the relatively high levels of uninsured motorists on U.S. roadways — the Insurance Research Council estimated in 2007 that about 14 percent of drivers lacked coverage — uninsured/underinsured motorist coverage is one coverage type that is not always required but might be a smart option.
Consumers can use the resources that can be found at state insurance department websites and at http://www.onlineautoinsurance.com/compare as starting points for learning more about coverage types and state-specific insurance requirements. Visitors to OnlineAutoInsurance.com will also be able to use the free online quote-comparison generator, which will allow shoppers to enter minimal personal information and get back a list of personally tailored premium estimates from a variety of reputable carriers.
Online Auto Insurance
John Pirro
909-784-2470
john@onlineautoinsurance.com
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