Have you ever felt that your car is never sound like before after it was taken to a garage for a simple oil change, small fix or an accident repair? Unfortunately, it is hard to shake such niggling feelings no matter how much the mechanic assures you that there is nothing wrong with it. In that sense, choosing the right auto insurance company can be very important.
Automobiles can run like a clock for years without causing any trouble or they can be finicky and get stalled by a little $5 dollar sensor. The worst part of it is that it can be right under the engine that requires you to take it apart to get to the problem. If you want your car to sound like a symphony orchestra you need to make sure that none of the pieces fails you.
Insurance Paid Auto Repairs
That is why you would want to be sure that your car insurer will try their best to fix it as good as they can if it is ever needed. You know very well that people with the best intentions may not deliver the work required. Imagine what happens if they knowingly cut corners and search for aftermarket parts to reduce the claim pay-outs.
Actually, there are some auto insurance companies that guarantee the work done on their behalf for the life of the vehicle. It sounds very considerate but why should a car have to go back to the shop after it is once fixed? They expect you to pay the premiums without any delay and they would cancel the policy if you miss one.
Then, they should be good at their jobs too and make sure that your automobile is fixed with original parts and repaired by highly qualified technicians. However, every so often you see a news in the media that body shops are complaining that they are squeezed so hard by insurance companies that they cannot possibly do a good job.
Alterations and Car Insurance
The next thing to look at is what you may do to your vehicle that can cause a problem if you ever have a claim. As mentioned above, even a slight adjustment or out of tune engine can affect the performance. So, if you make custom adjustments like upgrading the engine to a more powerful one your insurer would want to know about it.
If you want to insure a car cheaply you should keep customization to minimum. It is only fair that they are informed of any material adjustments so that they can adjust their premiums accordingly. For example, car insurance is cheaper when it is boring to drive. You cannot speed up quickly, run faster or show off with it. These are actually the qualities carriers like to see. They like boring and safe.
So, it is totally a different kettle of fish when you add a more powerful engine to your VW Golf hatchback. These things may not seem important to you but it is for the purpose of car insurance and therefore they are in the category of material changes that must be informed.
Things always cuts both ways. You want a cheaper policy and companies want to either charge you higher premiums or make sure that you are a lower risk. Keep this in mind and maintain your automobile well to ensure smooth drives.
