If you are like me, you might live in a large city and commute to work by car every morning and evening during the peak of rush-hour traffic. To top it off, I also live in one of the top tourist destination cities in America. Even weekend traffic can simulate Dante’s 9th level of Inferno’s hell. Although I am by nature a very laid-back person, my rage will boil over when I am stuck in traffic, and I will succumb to fits of road rage. Having the right kind of car insurance will either give you a wingman to protect you through your chaotic commutes, or will be a thorn in your side. When calling various companies for an auto insurance quote you are essentially wasting your time, as the best solution is to contact a company that provides quotes from vendors across the board. There are several companies to choose from that offer this timesaving service, and that are non-biased in suggesting an insurance company that will best fit your driving profile. Be sure to tell the customer service rep that you are prone to road rage. Admitting this will better help the agent give you the best coverage.
What all the Rage is about
When suffering from road rage on a regular basis, having the right car insurance in your back pocket is key to your protection. Why is this the case? Annoyance over road conditions and traffic jams manifest severe frustration in people who try to compose themselves in their vehicles. Sometimes the aggravated driver just can’t endure the pangs of driving conditions. He tailgates slower cars, makes obscene gestures at them, or accelerates quickly and speeds away. Actions like these can lead to auto accidents, as well as tickets issued by the Highway Patrol. If these driving habits are actions you are guilty of, then having the right type of coverage is of prime importance. The mellow out-of-work hipster who is never in a hurry may only need liability coverage, whereas someone who is at a higher risk for an accident and who commutes under stressful road conditions on a daily basis would definitely benefit from comprehensive coverage. The good news is that the customer service rep will be able to advice you, and lead you in the right direction.
When calling to get an auto insurance quote, the representative may ask you about other types of a la carte coverage plans that may benefit you. Don’t shake your head in too big of a hurry to save a buck. In an article by The New York Times, the author takes a look at some alarming statistics that indicate that you should always make sure you have “enough” insurance. The article states that the odds of running into people with no insurance at all to pay for your claims are much higher than you think. The Institute Research Council’s estimate from 2009 going forward reveals that 13.8 percent of all American drivers had no insurance at all. In some states the average was higher. Florida’s average was 23.5 percent, and Michigan’s was 19.5 percent. When an agent asks you about extra insurance to protect yourself from such motorists, it may be a nice safety net for you to have, especially since you are prone to extending the finger while speeding away.
It’s Your Call to Make
Controlling road rage is a difficult feat. It taken a lot of time and practice to find our “zen places” when driving in hellish conditions. But one thing that is very easy to control is what type of auto insurance we carry. Making that initial phone call to get a quote is easy, and it may be the most sensible thing you will have done all year.