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How Not to Choose Auto Insurance

How Not to Choose Auto Insurance

 How Not to Choose Auto Insurance

There are plenty of articles out there telling you what to do when purchasing auto insurance in Missouri. However, what you should NOT do is just as important. Read below to learn a few things you should avoid when purchasing an auto insurance policy.

1. Don't buy a policy just because it's the cheapest option. Consider the customer service, claims payments, and financial security of the company you are considering. It's great to save money on your auto insurance but it doesn't do you a great deal of good if the company does not pay your claim or is impossible to get in touch with.

2. Don't choose your auto insurance based upon the flashiest or most memorable television ads. There are many options for purchasing auto insurance in Missouri and you should never purchase coverage without doing thorough research. One great way to receive multiple auto insurance quotes without spending a great deal of time is by using an independent insurance broker.

3. Don't cancel your current policy before your new policy is in effect. There are many reasons why an insurance quote may go up after the agent has provided you with the information. For instance, perhaps there's a ticket or accident you did not tell your agent about or perhaps the insurance company has run a credit check which returns negative information. Whatever the reason, you want to make sure that your new coverage is acceptable before canceling your current coverage.

4. Don't purchase a policy if you don't understand exactly what you are purchasing. While your insurance agent should know a great deal about insurance you should never assume that he or she knows everything. You must always act as your own advocate when it comes to such matters.

5. Don't choose an insurance company merely because they are "well-known". There are hundreds of independent agents throughout the state who are able to help you purchase auto insurance in Missouri. This is not to imply that a large company may not be your best bet, but like all consumer products you should always shop around before purchasing.

These are just a few of the many tips you should consider when purchasing your next insurance policy. Just remember to take your time, do your research, and ask questions if you do not understand something.

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