In an article on automotive website Edmunds.com (www.edmunds.com/autoinsurance/how-to-shop-for-car-insurance.html), insurance shoppers are advised to:
• Read through the policy before signing to make sure it contains the
coverage you want.
• Avoid a mandatory arbitration clause, which forces you to give up your right to sue in the case of a disagreement between you and the insurer. If such a clause is in the contract, try to cross it out. If the insurer demands it remain, consider taking your business elsewhere.
• Know if your insurer requires the use of “aftermarket” parts (those that cost less because they don’t come directly from the auto manufacturer). Some aftermarket parts can be of inferior quality, while others are certified to be of equivalent quality and safety as manufacturer parts. If you feel strongly about using only manufacturer parts, you can check the policy for this information. Learn more about replacement parts at the Certified Automotive Parts Association (CAPA) website (www.capacertified.org).
