FACT: After you have an accident is not the time to find out if you have enough car insurance coverage.

Most of us don’t spend a lot of time pondering whether or not we carry enough car insurance coverage. When you originally purchased your current policy, whether online or through an agent, you probably just made the assumption that your previous coverages were enough and rolled them into your current policy. With the popularity of buying car insurance online, the danger of carrying too little car insurance coverage is becoming more of a reality for many consumers.

Buying car insurance without a complete question and answer session with a license agent, or at the very least with a company representative over the phone, is like playing Russian roulette with your financial future. Read the rest of this entry

The internet has made buying car insurance online pretty straight forward and easy. But what about those situations when you aren’t sure what coverages you need?

If you’ve ever read your auto insurance policy, you know there is a lot of legal mumbo jumbo and it’s just not very much fun to read. Even experience insurance agents will tell you they don’t particularly like having to dig into the policy language to decipher coverages. If they’re smart, they won’t even attempt to, as one of the biggest mistakes agents can make is misinterpreting a policy and telling an insured they have coverage when, in fact, they don’t. Read the rest of this entry