USS Horne CG-30/DLG-30
America's Finest Cruiser


Be an Informed Consumer: Buying Better Car Insurance

Car insurance is a necessity for anyone who gets behind the wheel and operates a vehicle. Different states have different laws that affect this need by dictating how much and what type of auto insurance is required. While there are some things that are unavoidable as a result of these laws, the insured do have some control over their premiums; however, this control is only possible when consumers make an effort to get the most affordable insurance that they can. Unfortunately, cheaper doesn't always translate to better insurance. When searching for better car insurance than what one already has, or when buying an insurance policy for the first time, drivers will want to find the best insurance at the best price.

People choose their insurance for a number of reasons, such as family loyalty, brand recognition, or even somewhat randomly. Whatever reason one has chosen their insurance provider, it is always a smart option to shop around. By comparison shopping, one can identify whether there is a big discrepancy in rates between companies that offer the same coverage. A person can also search for better insurance by looking for discounts that might apply. These discounts may be due to working with a specific employer, mileage that is driven, or one's record of being a safe driver. Driving a certain type of vehicle may also make a difference as can certain safety features. When driving a car that has an excellent crash test rating or that has safety features such as anti-lock brakes or airbags, check each insurance company to determine if there are better discounts available than what is being given on one's current insurance policy. Getting better car insurance may also require eliminating certain unnecessary coverage options. Consumers may only be required to have certain types of insurance coverage under the laws of their state. It is important to consider the real necessity of non-mandatory coverage that is currently on one's policy and eliminate any that are not needed. This is particularly helpful if driving an older model vehicle. One's credit score may, surprisingly, also be a valuable tool when it comes to getting better insurance and insurance rates. In some states, one's credit rating is used as a way of determining whether a driver is at risk of having an insurance loss. When credit is used in this manner, it is helpful to improve one's credit rating, which will reflect in one's auto insurance premiums. Regardless of whether a driver currently has the best insurance or not, it is important to evaluate it annually to ensure that there are no better policies available from one year to the next.

For more information about buying better car insurance, please click and review any of the following links.

USS Horne CG-30 (ex-DLG-30)
This site was created by Joe Westerberg, former IC1 (SW) on Horne 89-91.