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Car insurance is definitely something you need when you're out on the road. And sometimes it's easy to just want to pay the cheapest insurance rate you can find.

However, that coverage may not be the best option for you. You might not even notice until you really need it. And no one wants to feel like they're paying too much for their insurance. So where do you start looking? One of the best ways to start is by taking a hard look at your current insurance. Are you paying for features that you don't really use? Are you not covered where you need to be? Or are you really just paying too much in general?

Those are the kinds of questions that will make it easier to find the right insurance for you that you won't mind paying for over and over again.

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Every car insurance company out there claims to cover you when you really need it. However, not all of them are able to back up that claim. Making sure you have the right coverage for the right price makes it a lot easier to pay.

However, even smaller insurance companies are able to offer you coverage on your car. Maybe you don't think you can get a good rate because you have a few blemishes on your driving record. Maybe you've been burned one too many times by the big name insurance companies, or maybe they just aren't working out for you. Coverage is the most important factor here, and if you're not getting it, you need to switch providers. And maybe that means talking to a few smaller insurance companies in your area.

Those companies may seem like they aren't your best bet, but you have to remember that they aren't as overloaded compared to bigger insurance companies. They have more time for you individually because they have fewer clients. They may even treat you with more consideration if you're local. There are multiple comparison websites that let you see some of the top rated insurance companies in your state so that you know you're making a good choice and getting the coverage you need.

Additional Features

Or if you're happy with the insurance company you already have, just not the price of it, you could try talking to an agent about different features. For example, you only need liability insurance to drive in most states, so if you're looking for a cheap car insurance plan, then only paying for that may be the way to go. If you think you need a little more than that, you could try eliminating some extra rates you already pay for on your coverage.


For example, if you live in a household with multiple cars or have access to public transportation, maybe you don't need rental reimbursement coverage. This kind of coverage will reimburse you if you need a rental car after an accident. The same thing goes for covering the cost of hiring a tow truck. If you don't mind paying out of pocket when you need it, then you don't need to be covered for that on your insurance. Not every insurance company will offer these different additions, but it may be worth your while to see what features you actually need on your coverage.


And finally, price. Contrary to what most people believe, price isn't always the most important part of your car insurance quote. As long as you're getting the right coverage with features that you like, it shouldn't seem like you're paying too much.

However, if you continue to feel that way and you're not satisfied, then maybe you just need to shop around and find cheaper coverage. Look into only getting liability insurance and seeing what that will cost you. Get in touch with some of those local insurance companies to see what their rates are. It’s not hard to find a cheaper price. Just make sure you aren't sacrificing your coverage by paying the least amount of money possible.

At the end of the day, your insurance is there to keep you safe, so find something you don't mind paying for instead of the cheapest rate out there. It might be nice for a while, but when you need to count on that coverage, you'll understand the risks behind it.

Dawn Castell is a budding entrepreneur. After graduating with her MBA, she spent a few years working in the CPG industry and a few more working in the business tech industry before she set off to start her own business. She has been consulting with businesses, large and small, on the side ever since.

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Photo: liveblogspot.com