This is How I Save Money on My Car Insurance
Discounts Count When You Want to Save on Automobile Insurance
Want to save money on your automobile insurance policy? Try this. Grab your insurance policy and look for discounts that you don’t already have. What kind of discounts?
How about an accident free drivers discount, a discount for insuring your home and auto with the same company, a multiple auto discount, a good student discount, a nonsmokers discount, a driver’s education discount, a defensive driving course discount or a passive restraint discount (for vehicles with air bags or automatic seat belts).
If you don’t qualify for some of these, concentrate on the ones you do qualify for and do what you can to qualify for the rest. Take a defensive driver’s course, for instance. You’ll recover the cost many times over during the course of your driving life. Be sure all of your vehicles are insured by the same company to get the multiple auto discount, quit smoking, or install automatic seat belts.
If you can think of any other possible discounts that you already qualify for, write them down and then call your insurance agent to get some auto insurance quotes. Ask him about each one and tell him to let you know of any other discounts your insurance company offers.
Let your insurance agent know that you want to save money on your insurance. Tell him that you are comparing insurance premium costs – then do it. Call at least three other insurance companies and find out what they will charge for the same coverage. Don’t forget to ask about discounts. You could be pleasantly surprised.
Not all insurance companies give the same discounts or discount the same amount or percentage, so you’ll have to make some adjustments to get a fair comparison. Each insurance company has to comply with your state’s minimums, so don’t be afraid that they’ll short change you on the coverage to keep your premiums low.
Of course, it’s up to you whether you actually change automobile insurance companies, and you may not have any intention of actually doing so, but your insurance agent doesn’t know that. Put it on his shoulders to prove to you that he has the best insurance deal for you.