angeljeffers49's posterous http://angeljeffers49.posterous.com Most recent posts at angeljeffers49's posterous posterous.com Tue, 06 Sep 2011 12:00:00 -0700 Auto Insurance Savings Suggestion Number Three: Discontinue duplicate coverages http://angeljeffers49.posterous.com/auto-insurance-savings-suggestion-number-thre http://angeljeffers49.posterous.com/auto-insurance-savings-suggestion-number-thre auto insurance quotes chicago, auto insurance chicago Illinois

Additionally your personal possessions in your own car or truck is normally protected within your home coverage.

Therefore the only real supplementary advantage you would enjoy would be the difference between your current collision deductible and the $250 uninsured motorists deductible, and then only when the other individual is at fault in addition to uninsured.

One more example of this is uninsured/underinsured motorists pertaining to bodily injury (UMBI). It will cover just about any injuries you receive in an vechicle accident only when the other party is at fault and additionally again either without insurance or underinsured. Having said that, should you have personal injury protection insurance coverage (PIP) you already have insurance coverage for your own injuries in or on a car, no matter who is at fault. The one benefit of UMBI provides over PIP, having said that, is the fact UMBI usually has a lot higher limits. Both coverages are also duplicated, to a degree, by your personal health care and life insurance policy that cover you whether you are in or on a car or truck or not.

In addition, you should always consider very carefully whether or not to file an insurance claim for a smaller claim for damage to your car or truck. Any claim because of you running into anything at all, despite the size, can occasionally be dealt with as severely as if you had destroyed someone else’s car or truck. So prior to you ever report damage to your car or truck, you really should get the damage priced, subtract your deductible, and find out if the amount you figure to gain is worth the risk of a potential 50% increase in premium that you will experience if that claim ends in the cancellation of your policy. If not, either fix it out of your very own pocket or leave it unrepaired.

Even so, never fail to report any liability claim where you harm another person or simply damaged their property. Failing to do this could very well result in you having zero insurance coverage if he or she decide at a later date to sue you for injuries, as soon as they determine they've obtained all the money they can out of you individually.

So the 3rd way you can assure your car insurance rates will be as low as possible is simply by declining to incorporate duplicate coverages and by refusing to turn in small non-liability claims.

Did you know no companies’ rates are ever exactly the same. One company could have a wonderful claims year and reduce their rates, while another may raise them because their experience was horrible. For that reason, it pays to on a regular basis shop to discover whether you're still getting the most car insurance for your money.

But who's got enough time or the patience to be able to get in touch with 10 to 15 agents and respond to the same questions 10 to 15 times, simply to have them return ten to fifteen quotes which can be so different that it's practically impossible to compare all of them. What a complete waste of time!

Wouldn’t it make more sense and possibly be a better utilization of your time for you to simply get in touch with one agent and have him or her do all the shopping with several companies for you? If that's the case, why not contact us right now.

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