Having an auto insurance policy is not only mandatory by most states, but more importantly, holds a great value when it comes to protecting one from the risks of life.
In order to get the most out of your auto insurance policy, you should be aware of what you deserve as a paying policyholder. You should be offered quality customer service not only for policy maintenance, but also in case you were to be involved in an accident.
Customer service means being able to request information and assistance on any related matter. For instance, if one was to misplace their proof of insurance identification card, they should be able to contact a representative for immediate replacement. If you have a spur-of-the-moment question, it shouldn’t take long to receive a satisfying answer.
Don’t forget that included in your premium payments is a payment to cover the overhead of good customer service. One should not experience long hold times and get runarounds when it comes to needed service, after all it’s not free, you’re paying for it.
Your insurance claims department should take good care of you in case of a claim. That is even if you’re not at fault. Being involved in an accident can be stressful and your insurer should be with you the whole way through. If you’re to get hit by another driver, your claims representative should comfort you and guide you on what to expect and instruct you on what actions you should take.
When renting a vehicle, remember that most policies will transfer the liability coverage portion on to the rented vehicle; however, contact your claims department to make sure before you waive coverage through the car rental agency. Don’t pay for it if it does transfer, it will save you a good chunk of change.
Even if you’re midterm a policy period, you should inquire about any discount you may be eligible for. Don’t forget that being a student, being a homeowner, having low-jack on a vehicle, having a policy prior to your current one, getting married, and having a vehicle with low usage are all things that may lower your premiums. Take advantage of this by calling customer service and asking about them.
If you feel you’re not comfortable with the price you’re paying, put the prices to the test. Get quotes from multiple companies in order to compare rates and to find out if you’re paying too much. OnlineAutoInsurance.com allows you to compare online auto insurance quotes from different insurers with one simple process. Feel free to see what other carriers are offering you for the same coverage; after all it’s totally free with no obligations. You shouldn’t pay more than what is considered competitive.
