Five Things That Most Car Insurance Companies Don't ... - Auto Candy

When shopping for car and auto insurance online, it?s important to do your homework. Insurance companies are out to make a profit, and they may not be eager to tell you some of their secrets. When buying online insurance, car owners should consider these five things that insurers might not want them to know:??

#1: You probably qualify for more discounts than you?re getting.

Insurance companies don?t necessarily offer you every discount you might qualify for. For example, most companies offer discounts for low mileage, but they might not offer it unless you ask for it specifically and offer odometer readings. If you feel that you should pay less for insurance for any reason, go ahead and ask your company; they might agree more often than you would expect.

#2: You don?t have to file a claim with your own company.

If you get into an accident that?s not your fault, you can file your claim directly with the other person?s insurance company. Your own provider doesn?t need to be involved, and you won?t have to lose any safe driving rewards on your policy.

#3: Estimates are negotiable.

Whenever your vehicle is involved in a collision, your insurance company will need to inspect your car and provide you with an estimate. The amount of this estimate isn?t the final amount that you can be paid, however; if your car costs more to repair than the adjuster pays you, you can request a supplement. Just get the auto body shop to write a new estimate and send it to the insurer.

#4: Your car might not be worth what you think it is.

Whenever a vehicle is found to be non-repairable after a collision, the insurance company will deem it a total loss. When that happens, you?ll be paid for the actual cash value of the vehicle. This figure is calculated by the total loss adjuster, and it might be lower than its resale value. Total loss settlements are also negotiable, so be sure to get a second opinion on your car?s worth before accepting a check.

#5: Coverage needs vary from one state to the next.

Your insurance company will probably try to sell you higher limits for liability coverage than you really need. While high liability limits can help protect you from potential lawsuits, they also cost more than policies with lower limits, and many states have very low requirements. Be sure to check the state laws online so you know exactly how much insurance you really need to carry. Anything over that amount is optional.

In many cases, getting answers to your questions is as simple as asking directly. While the insurance company may not freely offer you this information, representatives will usually answer your questions if you ask directly. If not, you can always find information by researching neutral online insurance car owner resource sites.

Drew is a car?enthusiast blogger and writer. For more information on getting?car insurance online?please visit?acceptanceinsurance.com

Source: http://www.auto-candy.com/five-things-that-most-car-insurance-companies-dont-want-you-to-know/

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