Submitted by: Watsonagencynet Vashist

Selecting an auto insurance plan is not as easy as most people make it out to be. Everyone knows that driving a car without insurance is illegal; what they don t know is that it is more costly and dangerous to drive a car with the wrong insurance plan. Majority of the insurance companies that offer these at low costs deliver bony policies that cannot be of help when you need the policy most. In addition to this, it is highly likely they will not give your claim the attention needed incase of an accident. In order to get the best auto insurance plan, you need to compare different quote. However, before doing this, there are a couple of things you should understand and they are as listed below.

Should you settle for Full or Liability Coverage?

Before you start comparing rates, take into consideration the type of coverage you need. Your options in this case include full and liability coverage. The cheapest policy is liability and if your car gets totaled or damaged, it does not repair it. Rather, it covers the driver and the property hit or destroyed by the car. Full coverage on the other hand ensures that incase your car gets totaled you can afford buying a new car. Full coverage is broken down into 2 coverage options; comprehensive and collision. Collision is offered when you need to repair your car after it was hit by something or someone thus damaging it. Comprehensive covers all costs regardless of what caused the accident in the first place.

Understand liability Limits

Liability limit refers to the maximum amount the insurance is willing to pay in damages. Through the local DMV, you can find out what the liability limit for your state is. You need to be careful with this to ensure you don t settle for a liability limit that is too low leaving you vulnerable especially to large payouts and lawsuits in case you were at fault.

Look at the Deductibles

This is the flat amount you are expected to pay incase you get involved in an accident. Before your auto insurance can kick in, you are expected to pay this amount. A high deductible translates to low premiums but you should be careful to ensure it is not high. Choose a deductible you are comfortable paying. When filing a claim, make sure that it is not an amount that is close to the deductible amount.

Keep an Eye on Extras

There are other things you need to be on the lookout for such as the towing and reimbursements of rental cars. While these might seem like unnecessary extras, they can be of great benefit and reduce the costs you cover out of your own pocket.

The Watson Insurance Agency is an insurance firm whose access to multiple companies and commitment to quality service enable us to offer our clients competitive pricing, a broad choice of products and unparalleled advocacy.

This commitment means we will Work with you to identify the insurance services that are right for you, your family or your business, and use our access to multiple companies to deliver these products.

Guide you through the claims process for a prompt and fair resolution to your claim.

Help solve problems related to your coverage or account.

Explain the coverages and options available to you through our agency, at your request.

Ledgeable in serving you.

Return your phone calls and emails promptly and respond to your requests in a timely manner.

Use our experience and multiple company relationships to customize your coverage as needed.

Our staff is comitted to continuing their education to meet our clients needs.

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