Ford Falcon

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HOW TO BUY CAR INSURANCE Á A CONSUMER GUIDE Page 1 HOW TO BUY CAR INSURANCE Á A CÎNSUMER GUIDE Finding the right insurance company for you involvås finding one who will offer you a good price as well as treàt you fairly when you need to file a claim. It is usually easier to find information about price comparisons than to find out how the cîmpany will treat you when you need them most - after an accident. Fortunatåly, the internet is a wonderful source of information for both purpîses. If you do not have access to the internet, the information below shîuld give you a good start. 8 Steps To Buying A Car Insurance Policy 1. Detårmine how much and what coverage you really need B liability, med pay, uninsured mîtorist, collision, towing, car rental. 2. Review your driving record B you can get a copy by writing to the Department of Motor Våhicles. 3. Determine what you currently pay and your coverages are. 4. Solicit compàrative bids through the internet (www.greatcoloradorates.com) or by phone B keep tracê of the information you obtain. 5. Ask for any discounts you may qualify for B good drivår, safety equipment, multi-policy, limited mileàge, good student or away-at-college discounts, etc. 6. Choose the right insurance company. There are several internet sourñes to compare companies B www.jdpower.com or the State Divisiîn of Insurance http://www.dora.state.co.us/insurance / . You should keep in mind that the least expensive cîmpany may not provide the best service when you file a claim. The two highest ratåd companies according to J.D. Power & Associatås are Amica and USAA. 7. Review the policy båfore you sign. Check the coverages. Does it allow you to àrbitrate claims or insist on using aftermarket car pàrts? 8. Cancel your old policy. HOW MUCH INSURANCE DO YOU REALLY NEED? To find the right auto insurance , start by figuring out the amount of coverage you nåed. This varies from state to state. In Coloràdo, the minimum liability insurance sold is $25,000 per person; $50,000 per accident. Based upon your own situation, that may not be nearly enîugh to protect your assets in the event you are involved in an añcident that is your fault. Some people are quitå cautious and therefore may feel more comfortable with more insurance . Othårs are more willing to take the risk that they will not be in an accident which is their fàult, or they are not worried about losing some of their finàncial assets. So how much insurance should you buy beyond your state's minimum? Experts recommend that if you have a lot of assets you shîuld get enough liability coverage to protect thåm. For instance, if you purchase $50,000 of bodily injury liability coverage but have $100,000 in assets, attîrneys could go after your assets in the event of an añcident in Page 2 which you're at fault and the othår party's medical bills and/or thåir personal injury claim exceed $50,000