Useful advice before buying car insurance
When buying car insurance, the most important thing is getting the necessary protection for you and your family.
Here is some useful advice to help you make a decision that will give you peace of mind and security.
Understand the difference between your insurance broker and your insurance company. Seguros sin Barreras is an agency or insurance broker: depending on the client's needs and budget, we offer you a policy so you can choose among several plans from various insurance companies. We don't cover your car or property directly; this is done by the insurance company.
Get informed about how much coverage you need. Minimum coverage depends on the state in which you live. Also, you may need more coverage if you're financing your car, if you want protection against non-insured third parties, or if you want to cover medical expenses. Contact us for information about our available coverage.
Find out whether your policy has a deductible. A deductible is the amount you must pay in case there is a claim. That is, if you have a $500 deductible and you have an accident, you will have to pay the first $500 in reparation expenses. A higher deductible may result in a lower insurance policy costs. In order to make this decision, you must know how much you would be willing to pay in case of accident or theft.
Ask how you can get discounts or save money in your insurance policy. Most insurance companies offer special discounts for various reasons:
- Renewing your policy with the same insurance company
- Having a good driving record
- Having more than one insured car
- Having been insured for several years without making any claims
- Having a good policy payment record
- Programming automatic payments with your credit card
- Buying your policy in cash
- Getting your policy through email
- Owning a house
- Being married
Take your time and ask questions. Your insurance broker works for you. Don't allow anybody to rush you. Make your purchase whenever you feel you understand everything about your insurance policy.
Remember, your insurance broker's job is to explain everything regarding your policy in a language you can understand.
For more information about the insurance and coverage we offer, contact us today via or call us TOLL FREE at 1-800-962-3066. You can also submit your application ON-LINE by filling out this form..