Discount Auto Insurance Secrets Told By An Agent
The techniques that follow will increase your chances of discovering discount auto insurance. Some of these ideas you may be able to use other you won't, but by putting any of them to use will help.
I. Get Multiple Quotes: This alone can be your largest money saver. Each insurance corporation has an individual rating system so check as many companies as possible.
II. Pay For Your Policy In Full: This will usually lead to the cheapest policy for you. Many insurance corporations add surcharges for paying monthly, bi-monthly or even quarterly. So if it is possible try to pay in one or two bills.
III. Take Part Of EFT: Electronic Funds Transfer will help you stay away from surcharges that insurance companies charge for mailing out a bill to you every month.
IV. Buy The Policy Early: There are insurance companies that you can get a discount from if you buy your policy a week before you need it to start.
V. Increase Your Credit Score: Some corporations use an insurance credit scoring system. Although this is different from your actual credit score it is heavily weighted by your credit score. So, if you can boost your credit score that will save you money. You might be able to refuse a credit analysis, make sure you tell the insurance company you don't want to take part in the credit scoring. This is only advised if you know you credit is not so good because they will give you a standardize rate which is less than there average rate but better than the worst.
VI. Take a Drivers Training Class: You will usually be a cost associated with taking the class but it gives you a auto insurance discount for 3 years. When the discount expires you can pay and retake the class for a discount for another three years. The cost of the class will usually be less than a single years discount.
VII. Raise Your Current Collision Deductible: You can easily save 100 bucks by raising you deductible from 500 to 1000 dollars, but understand you are now responsible for the first $1000 worth of damage to your vehicle. Your other than Collision deductible( Comprehensive) isn't worth increasing because the savings would be minimal.
VIII. Ask About Other Discounts: There are multiple discounts that you might not be receiving. A multiple car, multiple policy, good driver, good student, safety device and many more, so ask to make sure you are getting all the discounts available. - 21392
I. Get Multiple Quotes: This alone can be your largest money saver. Each insurance corporation has an individual rating system so check as many companies as possible.
II. Pay For Your Policy In Full: This will usually lead to the cheapest policy for you. Many insurance corporations add surcharges for paying monthly, bi-monthly or even quarterly. So if it is possible try to pay in one or two bills.
III. Take Part Of EFT: Electronic Funds Transfer will help you stay away from surcharges that insurance companies charge for mailing out a bill to you every month.
IV. Buy The Policy Early: There are insurance companies that you can get a discount from if you buy your policy a week before you need it to start.
V. Increase Your Credit Score: Some corporations use an insurance credit scoring system. Although this is different from your actual credit score it is heavily weighted by your credit score. So, if you can boost your credit score that will save you money. You might be able to refuse a credit analysis, make sure you tell the insurance company you don't want to take part in the credit scoring. This is only advised if you know you credit is not so good because they will give you a standardize rate which is less than there average rate but better than the worst.
VI. Take a Drivers Training Class: You will usually be a cost associated with taking the class but it gives you a auto insurance discount for 3 years. When the discount expires you can pay and retake the class for a discount for another three years. The cost of the class will usually be less than a single years discount.
VII. Raise Your Current Collision Deductible: You can easily save 100 bucks by raising you deductible from 500 to 1000 dollars, but understand you are now responsible for the first $1000 worth of damage to your vehicle. Your other than Collision deductible( Comprehensive) isn't worth increasing because the savings would be minimal.
VIII. Ask About Other Discounts: There are multiple discounts that you might not be receiving. A multiple car, multiple policy, good driver, good student, safety device and many more, so ask to make sure you are getting all the discounts available. - 21392
About the Author:
If you enjoyed this article you might like Joe's website where you can get more Discount Auto Insurance tips to help you save money when it's time to get Free Insurance Quotes. By following either link back to Joe's site you'll save money on your car insurance by comparing multiple insurance quotes from local agents and large companies.
posted by X - Men @ 1:14 AM
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