Category: Auto Insurance Agency

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Try These Tips To Refine Your Auto Insurance Needs

Buying auto insurance might appear very complicated, but if you know what you are doing, you can easily find a policy for your car that will fit you.

If you don't know what you are doing, you can lose a lot of money on a policy that won't help you.

Don't worry, the tips listed below can help you avoid that.

Youthful Drivers

When considering auto insurance for a young driver, be sure that it is known to the insurance provider that they will only have access to one car.

This will cut the rates considerably, especially if the least valuable and safest car is chosen.

Having multiple cars can be a blessing for convenience, but when rates are considered, it is not a good idea.

Medical Payments Coverage

Another type of auto insurance coverage in your policy is medical payments coverage that takes care of your injuries and those injuries to other people in your car.

Some states just make this a optional coverage in your insurance and if you live in a no-fault state, medical payments are replaced by personal injury protection.

Don't Buy Coverage You Don't Really Need

You can reduce the cost of auto insurance by making sure you don't buy coverage that you really don't need.

For instance, if you have an older car with a relatively low replacement value then you may not need comprehensive or collision coverage.

Eliminating excess coverage from your policy could lower your premiums considerably.

No Claims Really Reduces Your Rates

Drivers who do not file auto insurance claims are entitled to big discounts, be sure you broach this no-claims topic after you have been with the same insurance carrier for a few years.

Drivers with five years of filing no claims can be rewarded with up to 75% off of their premium payments.

Now that's some big-time savings.

See – Wasn't That Hard Was It!

So as you can see buying auto insurance is not all that complicated.

It does involve quite a bit of research, asking questions, and providing documentation, but it is worth it.

With the above tips in mind, you should be smarter when it comes to buying auto insurance for your car.

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Save Money On Auto Insurance (Prospective And Existing Policyholders)

A majority of consumers would declare auto insurance as too expensive as annual premiums often amount to thousands of dollars and then a single claim can include a $250-$1,000 deductible.

Of course, savings are available for motorists willing to put in some effort.

Prospective and existing policyholders alike could save money in various manners today as nobody should settle for overpaying for any car insurance product.

Discounts Offered for New Auto Insurance Customers

For prospective policyholders, a variety of auto insurance savings and discounts are available.

Discounts are available for students, members of the military, and even drivers with good driving records.

Multi-policy and multi-car discounts are available through most insurers, too.

Otherwise, it never hurts to compare prices among different insurers.

Negotiations are sometimes possible with car insurance providers, if a lower price has been quoted at a competing company.

Discounts Offered For Current Auto Insurance Customers

Existing auto insurance policyholders have fewer options for cutting their annual premiums.

For starters, they can call the insurance provider and voice discontent over high premiums.

Long-time customers are difficult to hold onto and insurance companies are sometimes willing to cut a deal to retain a given policyholder, although that's not always the case.

Therefore, policyholders shouldn't hesitate to shop around for car insurance from other providers in order to save money.

Loyalty to a company doesn't always yield the lowest rates after all. 

Lower Auto Insurance Rates Can Be Found

Auto insurance is something that drivers can't avoid purchasing today.

All states require minimum car insurance coverage and those without coverage cannot operate a vehicle legally.

In the end, cheaper auto insurance is available to those willing to look for it or those willing to switch to a more cost-effective provider.

Even a slight discount of $100 or more per year makes a big difference for the average motorist.