Saving Money On Your Auto Insurance

In today’s environment of rising prices, we are looking for ways to help you keep your budget under control. There are a number of ways we can help you do this without compromising the quality of your coverage.

The first recommendation we have is that you always call us before you by that next car. You will be surprised at the difference in premium from one vehicle to another. the reasons for this difference range from the vehicle being considered a sports model to the high cost of repair due to unique or difficult to acquire parts. Many models also have worse than average injury statistics, which increases the costs associated with physical injury and recovery. Lookfor a car with automatic restraints – especially airbags. Many companies give discounts for air bags, anti-lock brakes and passive restraint systems.

Your driving record is of paramount importance. Companies are systematically reviewing all their policyholders, some on a monthly basis, ordering motor vehicle reports and reviewing claims history. Your driving history is probably the single most important factor on which your rates are based.

If your car is older, you might want to consider dropping comprehensive and/or collision coverage. If your automobile is only worth a couple of thousand dollars, and you carry a $500 or $1000 collision deductible, it really doesn’t make a lot of sense to carry collision coverage at all. What if you buy that dream car you have always wanted? It stands to reason that high value cars are more expensive to insure. Here is where utilizing large deductibles is smart.

Do you have a youthful driver in your houshold? If so, make it a requirement that he/she carry at least a B average in school as a requirement to drive. You would be amazed at the difference in youthful driver rates. The loss experience for these drivers is much better than the average youthful driver as well. These young drivers seem to exercise a greater degree of care while driving.

For more information, call your professional independent insurance agent.

PIA