Getting the right auto insurance is as important as finding the right car. But there are many pitfalls when buying auto insurance that can prevent you from getting the best coverage and cost you hundreds of dollars a year. To avoid getting stuck with paying high insurance bills over the years, here at the mistakes below and be sure to avoid these when buying auto insurance.
Buying the minimum liability coverage
Although every state has its minimum coverage requirements, this does not include the full cost of a crash. Purchasing the minimum legal protection implies that you are willing to pay for the remaining difference between your total liability and coverage. Getting more protection to help you relieve any liabilities is always a better idea.
Buying too much coverage
Like buying too little coverage is a mistake, getting over-insured also does not make sense and is a waste of money. For example, an older vehicle will not require a collision and comprehensive coverage. Also, beware of policy add-ons as well. If you are already a member of an automobile club, you do not need roadside assistance and towing. Pay attention to what you have and what is covered in the insurance policy to avoid paying extra.
Not comparing insurance companies
Opting for an insurance company offering the lowest prices is not the best option. Shop around and get multiple quotes from auto insurance companies for the best deals. Although price is a major factor in choosing an insurance company, it’s not the only one. Instead, the company’s ability to handle claims fairly has to be looked into. Customer reviews better understand the company’s ability to handle claims.
Keeping your insurer uninformed
Most buyers are not honest about their driving habits and the condition of their cars. This mistake can leave you personally liable for all the costs if an accident happens and companies refuse to pay your claim. Also, companies may not be willing to insure you in the first place if they spot any inconsistencies in personal data. It is best to be open about all the information on the insurance application.
Buying policies with wrong deductibles
An important part of your car insurance policy is the deductible amount. This amount influences the premium costs and the amount you pay when you file a claim. Usually, lower deductibles mean less out-of-pocket expenses but higher premiums, while higher deductible means fewer premiums but makes you pay more if you get into an accident. In many cases, a higher deductible will help you save some cash on your comprehensive and collision coverages.
Not using the discounts
Most people hesitate to shop online even when many online platforms could get you auto insurance. Taking advantage of the available discounts saves you a lot of money. While buying insurance, make sure to ask what types of discounts are offered. You can also save by bundling multiple cars with your homeowner’s or renter’s insurance. You can also avail discounts by remaining loyal to one company and paying your bill upfront. You can get an affinity membership with companies that provide discounts to its members.
Not considering online options
Even when many online platforms could get you auto insurance, most people hesitate to shop online. Avoid extra payments by avoiding commissions to independent agents when you buy from an online car insurance company. This step is a hassle-free way of buying auto insurance if you have all the necessary documentation in hand. Some of these online sites also provide estimates or real quotes, making comparing different companies easier.
Finding the right insurance is critical to getting on the road in the country. Avoiding the above common mistakes can save you from being underinsured or overinsured.
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Top Four Macy’s Coupons
Read moreMacy’s is one of the most famous retail stores in the country. At Macy’s, you can get almost everything you need in your daily life, from beauty products to wedding dresses, from shoes to men’s apparel, from kitchen utensils to beds and beddings, etc. Macy’s provides great deals on several products. At different times of the year, Macy’s offers different coupons and promo codes to attract customers. You can receive these Macy’s coupons from websites like Groupon, Retail Me Not, Macy’s, etc. These Macy’s coupons offer discounts and deals on various kinds of products. Some of these coupons are described below:
- VIP Sale
You can utilize this coupon by entering “VIP” into the space for promo codes. You can get an extra 30% discount on selected products such as clothing, lingerie, shoes, home items, and jewelry. With this coupon, you can get receive an extra discount of 25% on select watch brands. Additionally, this coupon will provide you with a 15% discount on cosmetics and fragrances. You can get a 10% discount on some products in the furniture, small appliances, rugs, and mattresses section. - Select Handbags Eligible for Six Months Financing
With this coupon, you will get an offer of financing for six months with no interest and no down payment. This coupon will be applied if you will purchase products with Macy’s credit card, and the handbag’s price should be over $200. This offer is valid for only a few days. - Swarovski Jewelry
For utilizing this coupon, you do not need any promo code. According to this coupon, you will get two pieces of Swarovski pendant sets when you purchase any product by Swarovski that costs more than $100. - Star Money Days
According to this coupon, all the members of Macy’s star rewards program will get 10 bonus points on every $1 purchase by the membership credit card. These bonus points can be utilized to buy different Macy’s gift boxes, beauty boxes, gift cards or at any restaurant at Macy’s store. But you cannot exchange these bonus points for cash. Each of these star money rewards can be redeemed within one month from the issuance date. Another condition is that you cannot redeem this coupon on different brands of different products.
You can also get several Macy’s coupons for beauty products, leggings, lingerie items, and jewelry, etc.
- VIP Sale
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Save money with Enterprise car rental coupons
Read moreIs renting a car something you need to do? Maybe for work, maybe because your own car is undergoing repairs, or maybe because you are traveling to a different state on vacation? Whatever be the reason for your needing to go the rental car route, one thing to keep in mind is that it always is a good idea to take just a little time and do some research to know what the latest offers and discounts available are. These offers and discounts will vary by city, state, and even the kind of driver you are. And of course, each rental car company will have some specific and tailor made offers for its clients. If you travel on work and need to rent cars frequently, you might want to check in with your company to see if they have a corporate membership with a certain rental car agency. Most of the big name agencies offer special corporate discounts. And they also have offers and discounts catering to their leisure, vacation, and international travelers.
One of the best and most well respected names in the business is Enterprise Rent-A-Car. And they have a slew of coupons available online for you to take advantage of, and save even more money on an already competitively priced rental. Your first stop should be Enterprise’s own website, which will give you an idea of the kind of discounts and offers they run, and the kind of coupons available which of course changes from time to time. And these are not restricted to a particular area or even just the United States. Enterprise has over 7000 locations worldwide, so there’s a pretty good chance you can avail of some discount or coupon for an Enterprise car rental, wherever you are!
And Enterprise has some consistent offers. Did you know, for example, that Enterprise almost always has extra special deals on weekend rentals? For additional coupons head to that most popular of aggregator sites for discounts and special promos, Groupon. You can also try Retail Me Not, and of course, Coupons.com for coupons that will save you money on your Enterprise car rental. Some Enterprise car rental coupons include a $9.99 per day (starting price, on compact cars) weekend rental offer, $19.99 a day for weekend rentals on full sized cars, and on the in-between intermediate or standard sizes, $14.99 and $17.99 a day respectively. You can also find 10-20 percent off on regular weekday rentals.