Walls of rain beating on your windshield. Pools of water littering the road. You're coming around a curve when you notice the oncoming driver has lost all control, swerving into your lane. Straight towards you.
And in half the time it takes to blink, SMASH!
As the swirl of metal and smoke clears and the ringing in your ears subside, you can see that the other driver is okay. And you're okay. But your car, well, that's another story.
Let's take a look at 3 steps you can take to get the best insurance for your car.
Step 1: Check the Testimonials and Ratings
To find the best insurance for your vehicle, sift through the customer testimonials. Or better yet, speak to one of their customers directly before you settle on an insurance plan.
It's a good rule of thumb to always hear from someone who's had direct experience with their services before you buy.
Step 2: Know Your Insurance Plan And Compare It Every Few Years
Educate yourself on exactly what the potential insurance plan covers and how much the deductible is. Then compare it to other plans every few years.
In case of an accident, know what you'll be responsible for. What aspects of an accident does your plan cover?
Liability
Liability helps pay for the damage you cause to another driver's vehicle if you're at fault.
Collision
Collision coverage helps pay for the damage to your car when you're at-fault.
Comprehensive
Comprehensive coverage helps pay for the damage to your car or for replacing it when your car is damaged by a wide array of things such as theft, vandalism, rockslides, etc.
Property Damage
This covers the damage to another person's property when you caused an accident.
Medical Coverage
Regardless of fault, this aspect of coverage addresses medical bills of every covered person involved.
Bodily Injury Coverage
This covers the injuries sustained by the other driver when you're at-fault.
Uninsured Motorist Coverage
This coverage protects your expenses if the other driver is uninsured.
Tow Truck Services and Labor
This includes any services needed to get your car where it needs to be, whether to the shop or home.
Rental Reimbursement
This allows for reimbursement if you need a rental car for a period of time.
Step 3: Compare Costs and Keep Leverage in the Negotiation Process
You don't want to be paying too much for car insurance. Before you decide on a plan, compare costs with other insurance companies.
This not only helps you find the best insurance for what you need, but it also strengthens your ability to negotiate with the insurance company you choose.
For instance, if there's an insurance plan you like best, but it's not necessarily the best monetary deal, you might be able to negotiate a lower monthly rate when you're versed on the competition.
Finding the Best Insurance for Your Vehicle
You want the best insurance on your side in the event of an accident. It's your money. Your life. Your decision.
If you're in the market for a new plan on automobile insurance, check us out at Amistad Insurance Services today!
