Buying auto insurance policy made easy


Getting auto insurance is not much of a hassle these days. With the advent of the internet, it has become a lot easier to get cheap and affordable auto insurance. We shall go through the entire procedure step by step in order to make you understand what exactly you have to do.

The first thing to do is to start researching the subject on the internet. There are a number of websites, both belonging to the insurance companies and also belonging to third party vendors which give out free insurance quotes. Start looking for free insurance quotes on these websites. Try to get an idea of what exactly an insurance policy of your liking is going to cost you. Try to conduct a comparative analysis of different insurance policies with different trim levels.

Once you know what exactly an insurance policy of your liking is going to cost you, the next step is to shortlist the insurance companies. Ask around with friends and family and try to get an understanding of which insurance company is more reliable. These people will be able to give you a more realistic opinion without being biased about it. They will surely have handled claims and reimbursement issues with their insurance companies and will be more than willing to share their experiences with you. This way you will be able to get an idea of the first hand experience these people had with their respective insurance companies.

Once you get an idea as to which insurance you want to get, you can contact the insurance company and make an enquiry. Usually, if you have already asked for a free quote, you will most probably be contacted by the insurance company. An agent will want to meet with you at a time and place of your bidding. Remember, the customer is the king and you can decide where and when you want to meet with the agent.

Once you meet with the agent, you will have to explain what exactly you want from your policy. There are a number of types of insurance policies. The first thing is to decide whether you are getting insurance just for the sake of being legally covered or whether you actually want to avail of the benefits of an auto insurance policy.

The cheapest type of auto insurance is the third party or limited insurance policy. This policy will cover you only when you are at fault. That is you must be the party who has caused the accident in order to claim reimbursement. And you also need to show proof that you were the cause of the accident. This policy suits people who want an insurance policy just to be covered under law.

The other type of insurance policy is the fully comprehensive first party insurance policy. Under this policy, you are liable to get reimbursement for all situations. You need not be the party at fault in order to claim reimbursement. You also can claim for damages when you have an accident with objects which do not have insurance like a tree or pole or any other inanimate object. However, the policy is pretty expensive compared to the third party policy. This is obvious because you get peace of mind and the ability to do things which really matter rather than worry about your insurance policy.