9 steps to buy car insurance

The following steps will help you determine how much coverage you need for your car insurance .

Step 1. First ...
When it comes to auto insurance, must be adequately covered if you have an accident, but you should not pay more than necessary. So how to navigate through this darkness? The first thing you need to do is find several insurers for you to choose the best offer that suits your needs, so the veil in this way: you can convert the money you save in buying something you've always wanted. Keep this in mind.

Step 2. How much coverage do you need?
If you want to find out adequate insurance begins with the amount of coverage you need. If you need to know how you make the right decisions. Car insurance how are you love people because they know and what are their chances of being in an accident and how likely it is that the car is damaged or stolen.
Experts recommend that if you have a lot of assets you should get enough liability coverage to protect you. Another issue is that the limits of any insurance and / or inadequate insurance coverage may not exceed the liability coverage. Such coverage will be useful as cover loss of income if you are unemployed for several months after being injured in an accident. Your driving habits can also be considered.
Before you start shopping for auto insurance, you should check the following: the status of your driving record, your current coverage and the premiums you pay.
You know how many violations have you had lately. If you can not remember the times when your story has given you as a driver painful incidents, will be much more difficult. Takes note of the annual and monthly expenses to your insurer, as many of your citations are given in both directions. Already have a figure that debate.

Step 3. Request competitive quotes. When you have taken several practical and philosophical decisions, it's time to start buying. Begins with a space of one hour for this task. Bring all your papers:

• Drivers License Number

• Vehicle Registration

• Current insurance policy

Step 4. Start with the Internet services. The network has the advantage that it provides ways to fill very fast, in fact, finish in 15 minutes and know your contribution immediately.
A couple of things to consider are:

• By using the websites of insurers, you can get quotes instantly. Some companies may contact you later by email and are not direct insurance providers can be contacted through a local insurance agent, you calculate a budget .

• It is not easy to get quotes from these sites in every state of the republic. You'll probably find it faster than the phone call, as most insurers in this state do not currently offer online quotes.

• Add to compare budgets. While you're researching auto insurance, notes in a Word document or on a sheet of paper divided into categories. This will prevent duplication of your efforts. When you visit the different online insurance sites, look out on several things:

• Annual and monthly rates for different types of coverage. Be sure to keep the coverage limits the same way that if you explain to apples.

• Takes note of an 800 number to ask questions that can not answer online.

• The payment policy of insurance. How often do you have to pay your insurance? What if you fall behind in payment?

• A concern that discounts offered by insurers.

Step 5. Telephones. Once you've exhausted your online options, it's time to call. For insurers who can not give you an online quote you will consult them personally.
Sometimes, if we make this process verbal, you can actually go faster than the Internet version, provided you have all the information on your driver's license and have the vehicle information to hand. When you get an appointment, be sure to confirm the price. It also asks that the appointment is confirmed by fax or email.

Step 6. Find discounts. In talking to the sellers of insurance, be sure to explore the options for discounts. Insurers offer discounts for good driving record, favorable credit score, safety equipment, certain occupations or professional affiliations and more.

Step 7. Select the right insurer. Now that you have the information needed to make a decision, there are some things to consider. You can clearly see what insurance is cheaper, but when you need to meet demand, what kind of work you do? Does the insurer is the most reliable?
Below is a series of questions to guide you and help you make a decision:
1. View statistics Condusef (National Commission for the Protection and Defense of Users of Financial Services) and check for consumer complaints.
2. Contact your local body shops or reputable dealers and ask what the companies they recommend.
3. Consider contact an insurance agent for additional information about a particular company.
4. Check out the level of an insurer's financial strength.

Step 8. Policy review before signing. When you've done your research and your decision for a company, read the policy before signing anything. Also check that contains the desired coverage, there are two clauses to look for:
 
a) Keep your right to sue. If you give this right will make it easier for insurers to take advantage of you. If you find a clause to that effect, do not worry, all is not lost exactly. If the insurer does not agree with you do not want to assign this right, you should probably take your business elsewhere.

b) Avoid the requirements of spare parts. If an insurance policy is written that parts of factory can be used for body repair, go to another insurer, an expert advises.

Step 9. Cancel your old policy. After blocking the insurance policy you require, the insurer has a couple of things to do:

• Cancel your insurance coverage current.
• Give proof of insurance. Always tries to take it with you, because if you leave it in your glove compartment and your car is stolen, the thief has everything he needs to prove that the vehicle is yours.