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If your financial problems have reached the point where you do not see a way out and you feel as though you are drowning in debt, your best way out is through declaring bankruptcy. Filing may well allow you to get your finances back on track
Thanks to the Internet, every driver enjoys quick and easy procedures starting from the purchasing process, making payments, to filing claims. Go to Go Insurance is one of the best websites where drivers can ask for auto insurance quotes and make a proper, thorough comparison.
Quotes are available free of charge. Drivers can ask for as many quotes as they need and start to compare them to find the best prices in the market. The proper way to do a comparison is to ask for the same coverage or limit, enter the same amount of deductible, and use the same personal information (age, gender, profession, address, annual mileage, and car model). Everything has to be the same to get accurate result. With Go to Go Insurance, it is only necessary to enter all the data once; there is no need to visit the official websites of multiple companies and ask for quotes one at a time.
Please put in mind that Go to Go Insurance cannot make an expensive insurance quote into an affordable one. It only gives accurate calculations of what drivers should expect to spend for their next coverage policies. Auto insurance companies determine premium rate based on various factors.
Car Model
As a rule of thumb, newer car means more expensive premium; however, that is not always the case. Newer vehicles often have better safety features and better spare parts availability, so it should be easier to repair in case damages happen. Safety features such as anti-theft devices and traction control also help to reduce risk of losses. On the other hand, old classic car can be too expensive to repair, and insurance companies tend to ask for more premium. Go to Go Insurance can list multiple companies with different rates to help drivers decide.
State Limits
There is no way around this. Every state has its own auto insurance rules to set minimum coverage requirements and limits. Some states only need Liability Coverage (Bodily Injury and Property Damage), while others also ask for PIP (Personal Injury Protection); each of them has its minimum limit. Regardless of the insurance companies, the minimum limits apply.
Deductible
The amount of deductible affects insurance premium. The deductible is the amount of money that drivers pay out of their own pocket in case an at-fault accident happens in the future. A policyholder who has a deductible of $1000 pays less premium that those who pay only $250. If the accident causes $3000 worth of damages, the insurance company only needs to give $2000 payout instead of $2750. Go to Go Insurance takes deductible into account and gives relevant results.
Credit Score
Some insurance companies still use applicants’ credit scores to determine approval or premium rate. Although it does seem controversial, such practice is not illegal. Bad credit due to bankruptcy or overdue bills is an indication that the person is in financial difficulties. Auto insurers take that as a sign of potential payment lapses. There is also the notion that a person who has bad credit score tends to file claims more often.
Good news is that not all auto insurance companies use credit score for approval process or to determine premium rate. Take Good2Go Insurance for example; it is a non-standard market company that specializes on high-risk drivers. It does not use credit score, driving record, and past accidents in the application process.
Optional Coverage
Most insurance companies offer a wide range of coverage including the mandatory and optional ones. The former falls under the state’s minimum coverage requirement, so every driver must purchase those to comply with the rules. The latter consists of additional coverage such as rental reimbursement, collision, and comprehensive. Drivers can choose not to purchase the optional coverage to lower the premium. However, more coverage means more complete protection. In case the driver does not have full ownership of the vehicle (for example leases or finance purchase), leasing company may require drivers to buy both Collision and Comprehensive. Goodtogoinsurance Company focuses on state’s minimum coverage indeed, but it offers the optional ones as well.
Discounts
To help policyholders lower their premium rate even further, Goodtogoinsurance provides multiple discounts for eligible drivers. Some of the most common discounts include Good Students, Homeownership, Renewal, Paid-in-Full, Multi Vehicles, Good Driver, and Defensive Driving Course. A driver can be eligible for multiple discounts to reduce premium to a considerable amount as well. Availability and eligibility of discounts may vary by state and coverage.
Independent Agent
One of the best ways to get affordable insurance premium is to hire an independent agent to handle all the purchase. It costs money to hire the agent, but the fee is always negotiable. Independent agents work on behalf of policyholders to search, compare and purchase coverage. They are knowledgeable professionals who understand how insurance works and how to find the right coverage with the right limit for policyholders. An independent agent can handle all the works starting from quotes request, comparison, and application for discount, to the final purchase.
With Goodtogoinsurance, approval is almost always a certainty regardless of past accidents and credit score. However, it does not hurt to try to find the best possible deal with discounts and omission of some optional coverage.
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