Auto Insurance and the Uninsured Motorist

Auto insurance is actually a great thing. I realize it gets old when you’re required to purchase anything – especially insurance you might not even use. Since you’re required by law to purchase auto insurance anyway – you should take a serious look at purchasing uninsured motorist insurance. Often, the extra coverage doesn’t add much money to your policy – but the consequences of not owning uninsured motorist with your auto insurance policy could be devastating.

Just as people are legally required to obey the speed limit – often folks make the choice of exceeding that speed limit…..right? Well, just as auto insurance is required by law – sometimes people make foolish decisions to drive without auto insurance – the uninsured motorist. It happens – don’t be fooled. Every day people drive without proper auto insurance coverage. Sure, they’ll most likely get caught sooner or later. But think about the potential consequences to you if they happen to cause an auto accident – causing serious damage to your vehicle? Will your auto insurance policy cover the damage to your vehicle? If you only have liability auto insurance – your coverage will probably only apply when you cause an auto accident and damage to another person’s vehicle. This means the uninsured motorist will have caused serious damage to your vehicle – and nobody is going to help you fix your auto. Sure, you can try to sue this person – however, if they’re driving illegally - without any auto insurance – you probably won’t be able to get a dime out of them anyway. Not good!

This is why I would recommend you take a look at your auto insurance policy and check to see if it covers damage from the uninsured motorist. If your auto insurance policy doesn’t cover uninsured motorists – you should ask how much money it will cost to add this coverage. It might only cost a few dollars extra per month.

E Lawrence Welch

Car Insurance Snoop

Pyle Mountain Holsters

Auto Insurance Quotes – 3 Do’s and 3 Don’ts

Auto insurance quotes are not unlike many other products for which you shop online. You truly need to shop around for them. Take a look at this list of 3 things you should do and 3 things you shouldn’t do when shopping for the best auto insurance quotes.

First we’ll take a look at 3 Do’s:

1) Make sure you get auto insurance quotes from at lease five auto insurance companies. Don’t jump at the first good rates you see. After all, you wouldn’t purchase the first auto you look at on the lot – shop around.

2) When submitting information required to receive your auto insurance quotes – make sure you submit information that is as accurate and complete as possible. The auto insurance quote is only as good as the information you submit.

3) Make sure the auto insurance quotes you get are for similar auto insurance policies. If the auto insurance policies are different – you won’t be able to trust the quality of the auto insurance quotes.

Now, we’ll take a look at 3 Don’ts:

1) Don’t let the sales person who contacts you with your auto insurance quotes talk you into switching to their company until you’ve had a chance to analyze the auto insurance quotes from each insurance company.

2) Don’t let flashy auto insurance gimmicks motivate your decision to change auto insurance quotes. Often these flashy gimmicks sound good – but you probably won’t even use them.

3) Don’t forget to obtain auto insurance quotes with a wide range of deductible amounts. I’ve found that by raising my auto insurance deductible amount by only a few hundred dollars – I’ve saved thousands over the long haul.

E Lawrence Welch

Car Insurance Snoop

Pyle Mountain Holsters