Car insurance is inherently tricky to navigate because you don’t find out just how well it works (or doesn’t) until you have an accident. And if you’re lucky, that doesn’t happen too often. So how do you know if you have the right kind of car insurance for your budget and lifestyle?
U.S. News interviewed a handful of car insurance experts to find out what you should do before making a final decision on your policy in order to get a good deal and decrease the chance of being surprised by unexpected costs after an incident. Here’s their best advice:
When choosing a policy, start by asking friends for recommendations. “It always makes sense to first ask people who you respect who they have auto insurance with, and if they were happy when they had a claim,” says Jeanne Salvatore, spokeswoman for the Insurance Information Institute, an industry group.
[See: 10 Unexpected Costs of Driving.]
Strangers can also offer useful advice. People often take their complaints about car insurance to social media, blogs and other websites. Search for posts on Twitter using the hashtag for the company you are considering. The National Association of Insurance Commissioners and the Center
For most consumers, auto body shops are intimidating and mysterious. The good ones restore your beloved car to gleaming perfection. The bad ones hide problems and stick you with a big repair bill.
We talked with three veterans of the auto body industry, two of whom (Brian and Neal) run their own collision repair businesses and the third expert (Andy) who is a well-connected industry observer. Our sources, who spoke on the condition of anonymity, shed light on this shadowy world and offer suggestions on how to manage costs, avoid rip-offs and ensure that sure your car is fixed right.
Know That Body Shops Run the Quality Gamut
“I don’t care what state you live in, for every 10 body shops, three of them are unethical and five of them do mediocre work at best,” Neal says.
It’s clear that finding the right shop and building a relationship with the owner or manager is an essential first step in the repair process. There will always be fly-by-night shops, and even mobile dent-repair guys working out of the trunks of their cars. Consumers should look for brick-and-mortar body shops that have been in business a long time and have a solid track record of
There are a number of times when people need to store a vehicle for an extended period of time. Maybe you have a convertible that you love to drive in the summer, but winter is on the way. Or perhaps you’re going to leave town for a job or an extended vacation. Maybe you are in the military and are being deployed overseas.
Whatever the reason for your time away from the vehicle, you’ll need to put it in storage. If you simply let your vehicle sit on the street or in a garage for an extended period of time, you may return to a dead battery or — worse yet — a damaged engine, ruined tires and a rat’s nest under your hood.
Here are important steps to take before you store a vehicle. They will preserve the life of the engine and ensure that your car starts when you return to it.
Keep It Covered
A garage is the ideal place to store a vehicle. This will protect it from the elements and keep it at a temperature that’s relatively stable. If you don’t have a garage and you can find accommodation at a reasonable price, consider putting the car in