If you are lucky enough to have the right type of insurance coverage when you are in an accident in your vehicle, the damages you suffer will be covered, which is always nice. However, if you carry only state minimums and are in an accident that you cause, chances are, you will be left digging deep into your own pockets to try to find enough money to pay for fixing the damages. Even though there are a few recommendations that always stand to help you save on auto collision repairs, such as obtaining at least three estimates, there are a few that you may not consider.
1. Order Your Own Parts - If you have a computer and a credit card, you can shop online for the replacement parts you need just the same as a repair shop. It will be helpful if you already have an estimate that shows you what a repair shop would charge you for specific parts because you can work to get something cheaper. Many auto body professionals work with the same suppliers over time because they either get special prices or know what to expect. Plus, you will have a lot more time on your hands to shop around and compare prices.
2. Do Some of Your Own Disassembly - It does not take a whole lot of skill to remove a lot of parts when it comes to the body of a vehicle. If you have a screwdriver, a pair of pliers, and a hammer, you can usually get a long way. Ask your chosen auto collision professional about how much they would knock off their service bill if you take off the damaged parts on your own. You may be surprised to learn that this is one of the parts of repair jobs that a lot of technicians dread the most; therefore, you may be able to save a lot of money by getting the car ready on your own.
3. Look for an Unaffiliated Technician - A lot of auto body repair shops are affiliated with specific insurance companies. This is not a bad thing; it only suggests that an insurance company trusts this particular company for worthy repairs. However, the companies that are affiliated with insurance companies may have strict price rates that they have to stick to for repairs. Therefore, you may be able to save some money by checking with an auto body shop that is not affiliated with an insurance company.
Having to pay for your own vehicle's damage because of lacking insurance never feels good, but if you are a smart shopper, there are some ways that you can save. Talk to an auto body professional like Ohs' Body Shop's Inc for more advice about how to save on your repair bill after an accident.