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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 November 5, 2019

5 Best Language Learning Apps to Master a New Language

5 Best Language Learning Apps to Master a New Language

Learning a new language is no easy feat. While a language instructor is irreplaceable, language learning apps have come to revolutionize a lot of things and it has made language learning much easier. Compared to language learning websites, apps offer a more interactive experience to learn a new language.

The following language learning apps are the top recommended apps for your language learning needs:

1. Duolingo

    Duolingo is a very successful app that merged gamification and language learning. According to Expanded Ramblings, the app now counts with 300 million users.

    Duolingo offers a unique concept, an easy-to-use app and is a great app to accompany your language acquisition journey. The courses are created by native speakers, so this is not data or algorithm-based.

    The app is free and has the upgrade options with Duolingo Plus for $9.99, which are add free lessons. The mobile app offers 25 languages and is popular for English-speaking learners learning other languages.

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    Download the app

    2. HelloTalk

      HelloTalk aims to facilitate speaking practice and eliminate the stresses of a real-time and life conversation. The app allows users to connect to native speakers and has a WhatsApp like chat that imitates its interface.

      There is a perk to this app. The same native speakers available also want to make an even exchange and learn your target language, so engagement is the name of the game.

      What’s more, the app has integrated translation function that bypasses the difficulties of sending a message with a missing word and instead fills in the gap.

      Download the app

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      3. Mindsnacks

        Remember that Duolingo has integrated gamification in language learning? Well, Mindsnacks takes the concept to another level. There is an extensive list of languages available within the app comes with eight to nine games designed to learn grammar, vocabulary listening.

        You will also be able to visualize your progress since the app integrates monitoring capabilities. The layout and interface is nothing short of enjoyable, cheerful and charming.

        Download the app

        4. Busuu

          Bussu is a social language learning app. It is available on the web, Android, and iOS. It currently supports 12 languages and is free.

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          The functionality allows users to learn words, simple dialogues and questions related to the conversations. In addition, the dialogues are recorded by native speakers, which brings you close to the language learning experience.

          When you upgrade, you unlock important features including course materials. The subscription is $17 a month.

          Download the app

          5. Babbel

            Babbel is a subscription-based service founded in 2008. According to LinguaLift, it is a paid cousing of Duolingo. The free version comes with 40 classes, and does not require you to invest any money.

            Each of the classes starts with with a sequential teaching of vocabulary with the help of pictures. The courses are tailor made and adapted to the students’ level, allowing the learning to be adjusted accordingly.

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            If you started learning a language and stopped, Babbel will help you pick up where you started.

            Download the app

            Takeaways

            All the apps recommended are tailored for different needs, whether you’re beginning to learn a language or trying to pick back up one. All of them are designed by real-life native speakers and so provide you with a more concrete learning experience.

            Since these apps are designed to adapt to different kinds of learning styles, do check out which one is the most suitable for you.

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            Featured photo credit: Yura Fresh via unsplash.com

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