Discount Auto Insurance?
Everyone likes a discount, but discount car
insurance? When attempting to save money, it is important to
start cutting costs wherever appropriate. One great way to
streamline expenses is to closely examine your current car
insurance costs. Everyone wants the best overall price for
their insurance policies, but some car insurance coverage is
really something you should splurge on. What may seem like a
wasted expense could more than pay for itself in the long term.
A good example of recommended coverage is the "add on" expense
of rental car insurance. The small line item on your policy
(usually around $20 a year) can be more than worth it in the
long run. If your car or truck is in the shop for repairs, a
rental car can be covered by your car insurance policy. If you
don't have this coverage, you could end up paying the total
rental car expense yourself. Ask your agent about their specific
limits of rental coverage for your policy. In the majority of
cases, you are allowed a reimbursement of $25 per day for a
maximum of coverage of 25 days. If you have ever been involved
in a major car accident, you probably already know that
twenty-five days in the body repair shop can go by very quickly.
You may get your car back weeks and even months later than
originally promised. Sometimes delays are caused by service
writers waiting on your insurance adjuster to make an initial
visit and approve your claim. Days are often lost ordering, and
in some cases special ordering, replacement parts. And often the
customer ends up paying for additional caused by human nature
and errors. These factors are all important elements to consider
when you wonder why it can take months to repair a vehicle these
days.
Make sure to remind your repair shop about your rental car
limits, and hold them accountable for all rental car expenses
not covered under your car insurance policy. Some shops may not
make this agreement with you--which might be a good indicator on
how long they think actual repair time will likely take.
So examine your car insurance policy carefully, get quotes from
several insurance companies, and make sure that you aren't
paying too much for your coverage. But just as importantly, in
the same process make sure that you do have the coverage that
you need to be adequately insured. Only then have you done your
homework and can rest assured that your policy--discount car
insurance or not--will meet your needs in the months and years
to come.