1> Raising your deductible Deductible is the amount you pay from
your pocket before making an insurance claim. The disadvantage
of raising your claim is when you make a claim, you will pay
more. However, if you are a safe driver, you will overtime save
more money by raising your insurance deductible. Look at your
previous insurance claim history and make a discreet decision
for yourself.
2> Older Auto - Drop comprehensive / collision coverage. If your
car is not worth much, why pay for comprehensive and collision
insurance coverage. You can visit a myriad of online sites to
find true worth of your car. Additionally your insurance broker
might be able to pull up the true worth of your vehicle.
3> Taking advantage of low mileage Some auto insurance companies
will give discounts if you drive less than a certain number of
miles or drive less than a certain distance to work.
4> Moving - Consider insurance costs. If you are considering
moving, it will be a good idea to call your insurance agent and
get his opinion on the insurance costs in the new city or state.
5> Low profile vehicle Your vehicle will also determine your
overall insurance costs. Some of the cars are favorite for
thieves since they fetch a good price. Some cars are more
expensive to repair. It makes a lot of sense to do adequate
amount of research before you make your auto purchase.
6> Make sure your vehicle is correctly listed by your insurance
agent. Many manufacturers offer somewhat similar model names for
vehicles but insurance costs may vary. Additionally 2 or 4 door
or the wrong model can impact your auto insurance quote.
7> Have your insurance broker check other insurance company
discounts. A lot of companies will offer discounts if you and
your spouse are insured with the same insurance company.
Additionally, if you seek home insurance, life insurance, auto
insurance from the same insurance company, you will get some
discounts. Check with your insurance agent on saving money.
About the author:
Joe Harris is a insurance agent for
Sunshine
insurance services. Visit us at
http://www.sunshineinsuranceservices.com/">http://www.sunshineinsuranceservices.com/">
http://www.sunshineinsuranceservices.com/ for insurance
quotes and services.
