Review Your Past Mistakes When Buying Car Insurance - Don't Make the Same Mistakes Twice When Buying Car Insurance

If you have made mistakes in the past when you purchased car insurance, then it is important that you learn from those mistakes. You could be paying too much for coverage that you don't need, or you may have coverage that did not suffice when you had a loss.  Common mistakes when buying car insurance include having a deductible that is too high and carrying high liability limits.  Another mistake can include paying for extra medical coverage or other expenses.  If you don't have the right auto insurance coverage, you will not be in a good position in the event of an accident.

Most people don't know what a deductible is and therefore they tend to have a high deductible because their agent or insurance company told them it was a good idea. This is one of the most common mistakes when buying car insurance.  A deductible is the part of your policy that you are responsible for paying to the car repair shop if your vehicle is damaged. The reason why an agent will tell someone to have a high deductible is so that their premium is lower.  But then when the person has a loss, they may be in dire financial straits and they cannot afford to pay their deductible to get their car repaired.  An example of a high deductible would be in the amount of $1000 dollars. 

Many people carry high liability limits on their insurance without knowing how this affects them or their premium.  High liability limits are best for people who have thousands of dollars in the bank and own at least one property.  If you have carried high liability limits on your car insurance policy, then you should learn from your past mistakes when buying car insurance and ask for lower liability limits.  High liability limits will increase your policy premium and you will not be aware of this because the insurance company will not provide you with a quote for lower liability limits unless you ask for it.

If you have purchased a death benefit payout on your policy or coverage for extra medical payments or other expenses, this may have been one of your mistakes when buying car insurance.  If you have a life insurance policy, then you do not need a death payout benefit.  If you don't have a life insurance policy, then you should consider getting one because the death payout benefit is expensive for the amount of coverage it provides and will cause your policy premium to increase.

* Average annual savings for new insurancelosangeles.us customers who reported savings last month. Your savings may vary.

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