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"Don't shortchange yourself," says Anna Molin, an independent insurance agent with Huntington Wheatsworth in Towaco, N.J. "In the long run, it's not worth it, and it's really not that much more to get something decent."
California's minimum liability limits of 15/30/5 were set in 1967, says Tully Lehman, philadelphia car rental airport a spokesperson for the Insurance Information Network of California. (That's $15,000 per person for bodily injury liability, $30,000 for bodily injury per accident and $5,000 for property damage.)
Gardner says he runs into a lot of consumers who got sold a cheap policy and were told they had "full coverage." But actually they had only the bare-minimum liability insurance with some collision and comprehensive coverage.
Raising the deductible on collision and comprehensive insurance is one way to lower premiums, and it's preferable to forgoing collision and comprehensive altogether if you have a car with some value, Molin says.
In some states, some non-standard car insurance policies philadelphia car rental airport contain exclusions in the fine print, says Penny Gusner, consumer analyst philadelphia car rental airport for CarInsurance.com. These are policies promoted as cheap coverage for risky drivers.
For instance, unlike most standard policies, some no-frills policies don't extend coverage to rental cars, and they don't automatically extend coverage to a new car when you replace your vehicle. (With a standard policy, your current insurance typically extends to a replacement vehicle, although you're required to notify your insurer within a certain timeframe, usually 14 to 30 days, after buying a car.) 4. Higher rates for tiny infractions
With a cheap policy you might get dinged harder for minor violations or accidents than you would with other policies, Gusner says. That means you'll pay higher premiums philadelphia car rental airport at renewal time, and the cheap policy might end up costing you more in the long run. 5. Bad customer service
Options like rental car reimbursement and emergency roadside service don't cost that much, but they can come in awfully handy. Rental car reimbursement pays for a rental car while your vehicle is in the shop after a covered accident. Emergency roadside service pays for towing and service if your car breaks down or you lock yourself out. 7. Not enough protection for you and your passengers
James Kuryak, principal of Niagara National Insurance in Buffalo, N.Y., says too often customers who buy a healthy amount of liability insurance to protect their assets skimp on uninsured motorist coverage. This insurance covers you, the insured members of your household philadelphia car rental airport and passengers for injuries or death when an uninsured or hit-and-run driver causes an accident. Kuryak recommends bumping up uninsured/underinsured motorist coverage to the limits of your liability insurance.
He also suggests increasing personal injury protection insurance if you're in a no-fault state and you routinely shuttle around a lot of passengers, such as your kids' friends philadelphia car rental airport to soccer practice or school.
38      7 Replies ( 3 ) Hide replies Report philadelphia car rental airport Spam Previous replies     Write a reply... Stan Proctor Jan 14, 2014 7:50AM Whatever you do, NEVER buy Allstate. Worst company out there... philadelphia car rental airport      25      11 Replies ( 1 ) Hide replies Report Spam Previous replies     Write a reply... Sammmmmy Green Eggs and Hammmmy Jan 14, 2014 12:27PM You buy insurance to cover yourself against a perceived catastrophic risk that you cant/dont/want to cover yourself. Why would you want that to be "Cheap" I mean you wanted the coverage right?? It is important to review your plan to make sure you have the coverage YOU want not what the agent is selling. And keep in mind if you need to make a claim that the insurance philadelphia car rental airport company is NOT your friend or ally.... Their job is to make you go away with the least amount of money. If you have a claim that involves a major accident and medical issues, consider legal representation early in the process. TRUST ME.....      15      3 Replies ( 2 ) Hide replies Report Spam Previous replies     Write a reply... WELDER 101 Feb 11, 2014 9:30AM
JUST do the research to find the best policy and copany that fits your needs.      5      2 Replies ( 0 ) Hide replies Report Spam Previous replies     Write a reply... PurpleAardvark 58 Jan 13, 2014 9:10PM Insurance and good customer service will never happen, unless you like bending over and taking it in the tail pipe while forking over cash.      24      22 Replies ( 0 ) Hide replies Report Spam Previous replies     Write a reply... Clever141 Mar 4, 2014 11:03AM Cheap Auto Insurance? Where? Even Buffett Got Into The Business.      0      1 Replies ( 0 ) Hide replies Report Spam Previous replies     Write a reply... RICKSTERCPT Feb 11, 2014 3:32PM Mercury is awesome      1      3 Replies ( 0 ) Hide replies Report Spam Previous replies     Write a reply... Rob714 Feb 11, 2014 12:42PM Auto Club of Southern Californian (AAA) was just rated #1 insurance company by JD Powers      1      5 Replies ( 0 ) Hide replies Report Spam Previous replies     Write a reply... Joseph Lamarca Jan 21, 2014 7:11PM philadelphia car rental airport speaking of cheap car insurance - is 4autoinsurancequote worth it? i know they say cheap insurance is shitty coverage, but i can't really resist a $30/month bill.      1      6 Replies ( 0 ) Hide replies philadelphia car rental airport Report Spam Previous replies     Write a reply... randy55 Jan 14, 2014 4:05PM State Farm is the best      16      30 Replies ( 0 ) Hide replies Report Spam Previous replies     Write a reply... Add a comment Report Please help us to maintain a healthy and vibrant community by reporting any illegal or inappropriate behavior. If you believe a message violates the Code of Conduct please use this form to notify the moderators. They will investigate your report and take appropriate action. If necessary, they report all illegal activity to the proper authorities. Categories Spam Child pornography or exploitation Profanity, vulgarity or obscenity Copyright infringement Harassment or threat Threats of suicide Other Additional comments (optional)   100 character limit Are you sure you want to delete this comment?
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