When it Comes to Quotes for Auto Insurance, Honesty is the Best Policy

Get Right QuotesIf you’ve ever driven past a car lot while it’s closed and have spied the occasional lone figure roaming between cars checking price tags, you’re probably witnessing the lengths to which some people will go in order to avoid a sales pitch. That same sentiment bleeds over into those who’d rather seek out quotes for auto insurance online than anywhere else. Simply put, it’s the best place to go to compare auto insurance rates without being forced to endure the salesmanship that comes with talking to an agent face to face or by phone.

But are online quotes for auto insurance accurate? Truth be told, they’re only as accurate as you let them be. If you’re looking to compare auto insurance rates and want absolutely zero uncertainty about the validity of the quote you’re given, all you have to do is do what your parents taught you to do: tell the truth.

Being straightforward and honest about your driving record won’t hurt your chances of getting insurance coverage, but lying about it can cause delays, not to mention a much higher rate than the initial online quote. If the comparison engine asks you if you’ve had any accidents or tickets, fess up. If you fudge the numbers on the initial pass, you’ll probably get a lower quote. But your driving record is always double checked before any firm offers are made.

There are plenty of methods of lowering your car insurance, but being less than forthcoming about the facts is not one of those ways.

How to Compare Texas Auto Insurance

Texas Insurance QuotesDrivers in Texas want to know how to compare Texas auto insurance. You need to be certain you have adequate automobile insurance coverage but you also want the cheapest insurance and the best automobile insurance you can get. How do you do this? By getting insurance quotes. One thing you can do to save yourself time is by getting the cheapest insurance quotes from a one-stop marketplace service where you fill out one form and receive many quotes from companies you know and trust.

When you fill out the online form, it will ask for personal information such as your name, age, social security number, address, if you are married, the make, model and year of your car, how many miles you drive to work and for pleasure each day, if you want full coverage or liability insurance, along with other questions. Be sure to put the exact same answers on every form, if you do fill out more than one, when you are comparing your Texas auto insurance because if you don’t, you will not get a true comparison.

Your goal is to receive quotes from top companies who want your business. What you want to be sure of is that you have coverage the state of Texas Insurance Department law demands from their drivers and possibly more to meet your own specifications. You want the very best protection at the best rate from a dependable automobile insurance company. Once you apply for cheap insurance quotes, you will receive the answers you need to compare Texas auto insurance.

Beware the Anti-Concurrent Causation Clause

Anti-Concurrent Causation Clause

It’s easy to get a homeowner insurance quote that’ll put you in touch with some of the most cost effective insurance companies around. But getting a fast homeowner quote and getting insurance coverage that you truly understand are two entirely different things. When you’re shopping for home insurance, consider the following advice before you sign on the dotted line.

Read and Understand Everything
Remember, this is your home you’re talking about here. If you don’t understand every single word, you could be putting yourself in jeopardy further down the line to discover that what you thought was covered, isn’t. In particular, look for what’s called an “anti-concurrent causation clause” and be absolutely certain you have a complete grasp of its meaning. This is a section contained in some home insurance policies that in many cases excludes coverage. For example, you might be covered against windstorms, but if the windstorm causes interior flooding, that’s not covered because you don’t have flood insurance.

Confusing, yes. Just be sure that if there’s anything about your home insurance policy that you don’t understand, you get complete clarification from an insurance agent before you sign up. If not, you could find yourself with a quite unwelcome surprise in the event you actually need to exercise your policy.