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Car Insurance Money Savings Tips

1. Never underestimate the positive impact of maintaining a clean driving record as well as an excellent credit history. Most auto insurers offer up to a 25% discount on your auto insurance rate. Inquire about this discount before renewing your next policy
2. Compare car insurance companies. Take advantage of their “free quotes”. When considering car insurance, you not only are looking at the lowest price, but you’re also looking for excellent customer service.
3. When looking for a new vehicle, determine what type of insurance rates you will have with that car. Any car insurance company can give you a quote based on the car’s year, make, model, and other features. Depending on the type of vehicle you plan to purchase, you may possibly qualify for discounts on your insurance policy.
4. Consider paying high deductible. A deductible is basically the amount of money a driver is willing to pay out of pocket for damages that occur in an accident before their insurance coverage kicks in. The higher your deductible, the lower your monthly insurance payments will be.
5. Consider cutting out additional coverage that is not required by law on older cars. Auto coverage such as collision and comprehensive coverage adds to the price your insurance premiums, which in turn increases your monthly payments. If an older vehicle is not worth a lot of money, having only the insurance coverage required by law, and dropping additional yet unnecessary coverage will drastically cut the cost of your auto insurance.
6. Depending on your age, driving record, years as a customer, and credit score, your car insurance company may offer a variety of discounts. Talk to your auto insurance company. Inquire about what discounts you are specifically eligible for.
7. A very simple, yet often overlooked way to cut insurance cost is simply eliminate duplicate coverage on your vehicle for services you may already have but not be aware of. The following are a few examples.
• If you already have personal health insurance through your employer, it’s possible that your health insurance includes personal injury protection. If that is the case, there is no need to pay for that same service again through your auto insurance policy.
• If you currently have a personal umbrella liability policy, examine its coverage to see if it also provides liability coverage for your car. Depending on the type of umbrella policy, some cover cars, boats, and even homes. It is possible that you may have double liability coverage on your car and not even be aware of it.
• Are you a car club member? If so, likely and it includes a towing service. If that is the case, you do not need the optional towing coverage that most auto insurance policies offer.
• Visit our “Recommended Coverage’s” section of our website. There you can determine the best type of care insurance that fits your needs and lifestyle.


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