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CAR INSURANCE ..... LOWEST QUOTE NEED NOT BE THE BEST.

Lowest Quote need not be the best.
Most of us own car's from basic to high end. Once in a year the car  we renew our car insurance. 

 What We hunt for is the LOWEST PREMIUM QUOTE & Most of the time we do get the same.

 We pay the lowest premium & take the copy of the policy, sleep over it till the next year or till the damage happens.

 We never bother to go through the contents.

 One Such Scenario a Person, insured with his car with a particular agency got a call for renewal, as such the premium quoted by the agency was not acceptable to the person, he requested for the lowest premium quote, on still further bargaing got the lowest quote. The Policy was renewed.
The document was kept in cold storage till the car met with an accident.
The Claim was Settled for a Lesser Amount, The REASON being Some cover's were Stripped off, i.e Some Cover's were DELETED So as to bring down the Premium. 
As A result the person had to bear the expenses from his own pocket which otherwise would have been provided for,
hence the lowest premium need not be the best.
so it is advisable to go through the contents of the documents. & also ask you provider if any of the covers are deleted so as to reduce the premium.

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