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10 Things You Should Consider Before Buying Auto Insurance

10 Things You Should Consider Before Buying Auto Insurance

If you are a vehicle owner, you might want to mitigate the costs associated with getting into an auto accident. Paying annual premiums to an auto insurance company can be a technique to practice.

Before you enter the road with your brand new car, you wish there wouldn’t be any possible disaster. But there are lots of things you should ponder before paying annual premiums to an auto insurance company.

A renowned auto insurance expert once said that many people pay between $500 and $1,500 more than they have to for car insurance each year. The amounts you need to pay radically vary depending upon your age, gender, accident and moving violation history, driving experience and many more.

So, you must contemplate certain aspects of insurance before buying any of it.

1. Coverage

Buying the minimum amount of coverage mandated by your state can save you some money of your pocket, but it can’t be a better option for you. You might also consider some other natures of coverage such as comprehensive, collision, uninsured and underinsured motorist protection, and personal injury protection.

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What comprehensive plan does for you is that it pays for non-crash incidents such as fire, natural disaster, theft etc. Collision covers all sorts of repairs for your car ignoring what the fault is.

If an uninsured or underinsured driver hits you, uninsured and underinsured motorist protection can cover the cost of car repairs. And personal injury protection, as the name suggests, pays you all medical expenses and lost wages if someone hits you or your passenger.

2. Brand

Brand distinguishes one insurance company from others. You should think before choosing one, for your motor trade insurance. You can only rely on a better brand than the one which you haven’t heard of.

When you make a claim to any insurance company, you can see the moment of truth for customer. As auto insurance is portable, you can swing to another insurance company without the loss of desirable benefit.

3. Customer care

Will the insurance company open for 24 hour? Do they provide one of the fastest insurance policies in the market? These things matter the most now days in auto insurance market.

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Seeing your car stuck in between the tree trunk is less painful than knowing your insurance company will open only after two days from the incident. With the competitive market around the globe, plenty of insurance companies now offer 24 hours a day and 7 days a week service. So, either way, you can contact with the provided toll-free number or online.

4. Payment option

Instead of paying an annual lump of sum, most people would love to pay the premium in monthly installments. You must choose your plan to pay depending on your current situation.

Most insurers offer at least annual and six-month premium payment option with some discount. But the fact is that, you wouldn’t get as much discount on monthly basis payment as on annual basis. Hereafter, make sure to choose between your options before choosing any auto insurance plan.

5. Your driving record

Your driving records are openly linked with the cost of your auto insurance. Higher you drive off the road, higher is the cost you have to pay for insurance. Even, some minor traffic violations can be upsetting for you.

Those unpleasing records can be a sign of increased risk for any insurance company. Hence, insurance cost increases for you. Thus, summarizing the facts, higher the frequency of accidents in the past, higher the cost of insurance and vice versa.

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6. Lying is not a solution

Give factual and detail information to the insurance company you are looking for. Giving some made-up information can save you few bucks, but it’s totally a risk. If you get caught, the chances are so high for you getting a severe punishment. You could face higher rates or may be plunged out from the insurance plan altogether.

7. Location, age and gender

If you are younger than 25(generally), then there is a high probability that you must pay more. Most of the insurance industries consider young and male drivers as a risk. Also the statistical data proves that younger lads are highly prone to accident.

Also, the insurance company expects you to pay more if you live in densely populated and bigger cities. Chill out, if you are in rural or suburban areas. Also, insurance rates tend to fall gradually after you reach 25.

8. Discount

With the world being competitive moment after moment, your strong bargain skills can be beneficial for you. You can convince them soft as cotton, eventually making them pay your discount.

Exploring all your options relating to discounts can be a good drill before buying any insurance. Depending on your profession, your vehicle’s current status and driving record, the discount you are going to get varies radically.

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9. Company’s track record

Making price and coverage comparisons while stirring from one company to another is not a big deal for you to practice. With all the records and information of the companies on your fingertips, you can choose your ultimate insurance company comparing the monthly rates for different types of coverage, customer service, location and other different payment plans.

You can review the customer satisfaction between different companies obtained from surveys or can also rely on the information acquired from your friends and relatives. The positive response from reviews as well as from friends and relatives can be a key to open the door of respective insurance company that you are searching for.

10. Ask questions

Before initiating auto insurance, you must consider certain things. You have to think of certain risk assessment, coverage of policy, what will be the deductible amount, value of vehicle the company is willing to set, etc.

You must ask about different cancellation rules. Every policy has diverse rules and it’s important to know what they actually are. If not accessed properly, an accident can drop you from an insurance plan.

Featured photo credit: Flickr via farm9.staticflickr.com

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Nabin Paudyal

Co-Founder, Siplikan Media Group

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Last Updated on May 14, 2019

8 Replacements for Google Notebook

8 Replacements for Google Notebook

Exploring alternatives to Google Notebook? There are more than a few ‘notebooks’ available online these days, although choosing the right one will likely depend on just what you use Google Notebook for.

  1. Zoho Notebook
    If you want to stick with something as close to Google Notebook as possible, Zoho Notebook may just be your best bet. The user interface has some significant changes, but in general, Zoho Notebook has pretty similar features. There is even a Firefox plugin that allows you to highlight content and drop it into your Notebook. You can go a bit further, though, dropping in any spreadsheets or documents you have in Zoho, as well as some applications and all websites — to the point that you can control a desktop remotely if you pare it with something like Zoho Meeting.
  2. Evernote
    The features that Evernote brings to the table are pretty great. In addition to allowing you to capture parts of a website, Evernote has a desktop search tool mobil versions (iPhone and Windows Mobile). It even has an API, if you’ve got any features in mind not currently available. Evernote offers 40 MB for free accounts — if you’ll need more, the premium version is priced at $5 per month or $45 per year. Encryption, size and whether you’ll see ads seem to be the main differences between the free and premium versions.
  3. Net Notes
    If the major allure for Google Notebooks lays in the Firefox extension, Net Notes might be a good alternative. It’s a Firefox extension that allows you to save notes on websites in your bookmarks. You can toggle the Net Notes sidebar and access your notes as you browse. You can also tag websites. Net Notes works with Mozilla Weave if you need to access your notes from multiple computers.
  4. i-Lighter
    You can highlight and save information from any website while you’re browsing with i-Lighter. You can also add notes to your i-Lighted information, as well as email it or send the information to be posted to your blog or Twitter account. Your notes are saved in a notebook on your computer — but they’re also synchronized to the iLighter website. You can log in to the site from any computer.
  5. Clipmarks
    For those browsers interested in sharing what they find with others, Clipmarks provides a tool to select clips of text, images and video and share them with friends. You can easily syndicate your finds to a whole list of sites such as Facebook, Twitter and Digg. You can also easily review your past clips and use them as references through Clipmarks’ website.
  6. UberNote
    If you can think of a way to send notes to UberNote, it can handle it. You can clip material while browsing, email, IM, text message or even visit the UberNote sites to add notes to the information you have saved. You can organize your notes, tag them and even add checkboxes if you want to turn a note into some sort of task list. You can drag and drop information between notes in order to manage them.
  7. iLeonardo
    iLeonardo treats research as a social concern. You can create a notebook on iLeonardo on a particular topic, collecting information online. You can also access other people’s notebooks. It may not necessarily take the place of Google Notebook — I’m pretty sure my notes on some subjects are cryptic — but it’s a pretty cool tool. You can keep notebooks private if you like the interface but don’t want to share a particular project. iLeonardo does allow you to follow fellow notetakers and receive the information they find on a particular topic.
  8. Zotero
    Another Firefox extension, Zotero started life as a citation management tool targeted towards academic researchers. However, it offers notetaking tools, as well as a way to save files to your notebook. If you do a lot of writing in Microsoft Word or Open Office, Zotero might be the tool for you — it’s integrated with both word processing software to allow you to easily move your notes over, as well as several blogging options. Zotero’s interface is also available in more than 30 languages.

I’ve been relying on Google Notebook as a catch-all for blog post ideas — being able to just highlight information and save it is a great tool for a blogger.

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In replacing it, though, I’m starting to lean towards Evernote. I’ve found it handles pretty much everything I want, especially with the voice recording feature. I’m planning to keep trying things out for a while yet — I’m sticking with Google Notebook until the Firefox extension quits working — and if you have any recommendations that I missed when I put together this list, I’d love to hear them — just leave a comment!

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