Comparing auto insurance quotes

Businesses and individuals are required by law to obtain third-party liability automobile insurance for every automobile owned. Third-party liability insurance protects any third party that is found to be a victim of an accident. In this law, insurance companies are also required to follow tariff rates for standard limits when selling automobile insurance. This means that you should expect to see similar rates on your automobile insurance quotes for standard limits.

How to compare quotes for auto insurance 

The smartest way to getting the best deal for auto insurance is simply to shop around. But because insurance companies quote differently, you need to be sure you are comparing apples with apples. Lower prices may mean higher deductibles and lower coverage, which may not necessarily work to your advantage. Having a full understanding about insurance quotes will enable you to determine whether or not you are getting the best deal.

Comparing coverages 

Comparing coverages is crucial when shopping for the best automobile insurance deal. Carefully read over quotes and study them carefully to be sure that you will be getting the best coverage and protection. Look for things like liability limits, uninsured motorist coverage, and medical expense coverage. You may also read over the comprehensive and collision deductibles to make sure that they match. It is also important to inquire over the telephone or email to find out if there are additional offerings outside of basic insurance coverage, such as roadside service and other perks that you may be entitled to simply by doing business with them.

Comparing discounts 

Quotes should easily spell out the type of discounts you are getting. Oftentimes, the discounts presented are there because you qualify for it. If you are purchasing automobile insurance for standard limits, you may be entitled to a multi-car and a no-claims discount under the CNMI tariff. A multi-car discount will automatically apply if you are insuring more than one vehicle at a time. A no-claims discount will also automatically apply if you have never filed a claim for at least three consecutive years from your new or previous insurer.

For better protection, you may also request for higher limits. The higher limits are applied to third-party liability and passenger liability coverages. Businesses and individuals request for higher limits for better protection. Higher limits also give more legroom to negotiate for better discounts.

Auto claims services 

When comparing auto insurance quotes, it is also important to know the quality of claims service that you will be receiving. Find out if the insurer has a fully staffed claims department that will be able to tend to your claims needs in a timely manner. It is also advisable to meet with the company’s claims adjuster to learn more about their claims procedures. (Pacifica Insurance)

For more information on automobile insurance, call Pacifica Insurance Underwriters, Inc. at 234-6267 or visit their office located at Joeten Center in Susupe. You may also visit www.pacificains.com or send an inquiry via email to piui@pacificains.com. Pacifica Insurance Underwriters, Inc. is a general agent for Century Insurance and Tokio Marine Pacific Limited.