Hassle Free Insurance

Lets face it with a tough economy, higher prices and lower levels of income due to the growing levels of unemployment. We all are looking to save a few dollars here and there to weather the storm.

• Shop Till You Drop – Dollar that is. Auto insurance coverage may be somewhat standard in your state, but auto insurance premiums are another story altogether. Coverage from one auto insurance company to the next can vary by hundreds, if not thousands of dollars per year. The only way to make sure you are getting the best base price for your policy is to compare, compare, compare.
• Eggs All In One Basket – Almost all auto insurance companies offer a “Multi-vehicle discount” for drivers who insure more than one car on the same policy. By insuring all your vehicles with one Auto Insurance Company, you can earn up to an additional 10% discount on your Auto Insurance Premium.
• Insure both your car and home with the same company – Again, this will qualify you for a discount called the “Multi-line discount”. Most auto insurance companies offer this savings as an incentive to get your property insurance business too. It’s all perfectly legal and it’s a great way to get another five per cent off your premiums.
• Bump up your deductibles – The higher your deductibles, the lower your auto insurance premiums. Auto insurance was really meant to cover you for damages you could never afford on your own. If you can afford a $1000 repair job, then raise your deductibles to $1000 and pay less for your auto insurance.
• Older car? Think about dropping your collision coverage – Old is not always gold, at least for the majority of drivers. Unless your Jay Leno or so… If your car is starting to show its years and the cost of repairs outweigh the value of the vehicle, then consider dropping the collision coverage on your policy. You need to think about this one though – it’s not always a clear-cut decision. You need to weigh the cost of the collision coverage with the value of your car and your chosen deductibles. For example, if you had a 10-year-old car that was worth about $1000, and your deductible was $1000, that collision coverage is not going to be worth a boot.

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• Simon Says Drive carefully – Your driving record is one of the most influential factors in determining your auto insurance rate. Tickets affect your auto insurance rates for up to three years and accidents stay on your record for at least six! With a bad driving record, you can find yourself paying a lot of extra premium over the years. Simon Says: Stay on the good side Auto Insurance Companies by Driving Safe.
• Drive a “low-risk” car – Auto insurance rates for cars are based on the previous claims history for that vehicle. The more likely a car is to be stolen or in an accident, the more you pay for auto insurance. If you are buying a new car, check with the National Highway Traffic Safety Administration (NHTSA) or compare quotes to see how your dream-car rates. This may influence your purchase. Remember a dream today can easily turn into a nightmare tomorrow.
• Don’t drive to work – The more you are on the road, the higher your chances of getting in an accident. Auto insurance rates are higher for people who commute to work. So taking the bus or sharing a ride will not only help you save on parking and gas, but will help lower your auto insurance premiums. It could even add a few more years to your life.
• New driver 101? Take a driver’s training course – Most auto insurance companies offer a discount to newly licensed drivers who have completed an approved driver training course in the last 3 years. Safer drivers pay lower auto insurance rates.
• Have an anti-theft device installed in your car – Almost all auto insurance companies recognize your car is less likely to be stolen if you have an anti-theft device installed in your vehicle. Check to see if your company offers this “Alarm or anti-theft discount” and consider if the price of the device is worth the added savings over the years. If you already have an approved, factory-installed alarm in your car, auto insurance companies will take this into account when determining your rate.