{"id":518,"date":"2016-11-03T07:05:44","date_gmt":"2016-11-03T07:05:44","guid":{"rendered":"http:\/\/www.keystoneinsurance.us\/?p=518"},"modified":"2016-11-29T19:17:22","modified_gmt":"2016-11-29T19:17:22","slug":"when-is-the-cheapest-rate-a-bad-idea","status":"publish","type":"post","link":"https:\/\/keystoneinsurance.us\/?p=518","title":{"rendered":"When Is the Cheapest Rate a Bad Idea?"},"content":{"rendered":"

\"nov-blog-116\"<\/a><\/p>\n

So you\u2019ve been shopping for auto insurance and have received several quotes. There is a variety of companies, coverages, and prices. Which do you choose?<\/p>\n

A lot of people just pick the cheapest one and go with it immediately, but this can be a BIG mistake. Let\u2019s take a look at a few things to consider when comparing quotes.<\/p>\n

#1 \u2013 Compare<\/em> deductibles<\/strong>. Review each quote and if a vehicle has comprehensive and collision coverage, look at what deductible is listed. The deductible is the amount you will pay out of pocket before your insurance kicks in. A higher deductible (like $1000 or $500) will result in a cheaper monthly premium. Look and see if all of your quotes use the same deductible on each vehicle.<\/p>\n

#2 \u2013 Compare Liability<\/strong> coverage. The liability coverage will be listed as Bodily Injury and Property Damage on your quote. Look at the numbers and see if they are the same on each quote. This is the total amount the policy will pay out if you cause an accident. A higher number means more coverage and will cost slightly more. Are all of your quotes using the same amount of liability coverage?<\/p>\n

#3 \u2013 Compare extras<\/strong>. Next see what extras are in the policy. Is there coverage for a rental car? What about towing if you break down? Does the policy forgive your first accident or offer other perks? Make notes of all the extras for each quote. Consider if these are things you need on your policy and make notes to ask additional questions if you aren\u2019t sure what\u2019s included.<\/p>\n

Next step, get an apples to apples quote. You can\u2019t compare an apple to an orange right? They\u2019re totally different. That\u2019s why you only compare prices on insurance quotes that include the SAME coverage. Call those companies back up and ask them to adjust the coverage as needed to get a better comparison.<\/p>\n

Also, take into account the reputation of the company you are working with. If you\u2019ve never heard of the insurance company, ask for information from the agent about their rating in your state and how reliable they are in paying their claims. A few extra dollars per month can be worth it for a reputable company that you can trust.<\/p>\n

Have questions? Give us a call today and let us help!<\/p>\n

Zappia Insurance & Financial Group<\/strong>
\n Pittsburgh: (412) 265-6383<\/strong>
\n Du Bois: (814) 371-4901<\/strong>
\n Toll-Free: 1-800-569-2867<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

So you\u2019ve been shopping for auto insurance and have received several quotes. There is a variety of companies, coverages, and prices. Which do you choose? A lot of people just pick the cheapest one and go with it immediately, but this can be a BIG mistake. Let\u2019s take a look at a few things to […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[11],"tags":[],"class_list":["post-518","post","type-post","status-publish","format-standard","hentry","category-car-truck-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t