{"id":3222,"date":"2020-04-24T14:55:43","date_gmt":"2020-04-24T14:55:43","guid":{"rendered":"https:\/\/webagencyfortune.com\/demo\/v2\/insurance-agency\/?p=3222"},"modified":"2020-04-24T14:55:43","modified_gmt":"2020-04-24T14:55:43","slug":"how-to-save-money-on-your-auto-insurance","status":"publish","type":"post","link":"https:\/\/localleadsexpress.com\/demo\/insurance-agency\/2020\/04\/24\/how-to-save-money-on-your-auto-insurance\/","title":{"rendered":"How to Save Money on Your Auto Insurance"},"content":{"rendered":"\n[et_pb_section fb_built=”1″ _builder_version=”4.4.3″ custom_padding=”0px||0px||true|”][et_pb_row _builder_version=”4.4.3″ custom_padding=”0px||0px||true|”][et_pb_column _builder_version=”4.4.3″ type=”4_4″][et_pb_text _builder_version=”4.4.3″ hover_enabled=”0″]Are you paying too much for your auto insurance? If you believe you are paying too much for your current auto insurance coverage then the following suggestions may help you save money:\n\n1. Shop around\nSure, youve read this tip everywhere but its true. Only by shopping around for auto insurance coverage and getting quotes on premiums from several insurance companies will you be able to know for certain you are getting your car insurance coverage at the best available rate.\n\nWhen shopping for your auto insurance policy, remember to compare more than insurance rates. Ask about how insurance claims are approved and processed, and how quickly theyre paid. Look into each insurers financial stability (there are independent rating services that can help you with this.) Remember, during times of stress like after an accident you will be dealing with the insurance company and youll want to make sure youll be helped when you need it most.\n\n2. Select a higher insurance deductible\nWhen you file a claim, a deductible is the amount you pay first before your insurer pays the remaining balance. Often people select lower deductibles, so when they have to submit a claim, their out-of-pocket expenses are minimal. But the truth is, the higher your collision and comprehensive deductibles the lower your auto insurance premium. The savings by increasing your deductible to say $1,000 from $250 are significantyou can save hundreds of dollars off your insurance premium.\n\nOf course, the flipside is that if you should have to submit an insurance claim you are responsible for paying the deductible. So select the maximum deductible you can afford to paythe higher the better because the difference in your car insurance premiums will mean more cash in your pocket.\n\n3. Remove or reduce coverage on older vehicles\nIf your car is getting up there in age, you may want to think about dropping the collision or comprehensive coverage (or both) on your policy. You need to think about this one though \u2013 it\u2019s not always a clear-cut decision. You need to weigh the cost of the two coverages with the value of your car and your chosen deductibles. For example, if you had a 10-year-old car thats worth about $1000, and your deductible was $1000, the coverage is not actually going to help you.\n\n4. Ask about discounts\nMost insurance companies offer discounts. While the availability of discounts will vary depending on your insurer, where you live and whether you meet eligibility, make sure to ask if there are any discounts you can take advantage of. The following is a list of a few of the more common discounts (if available in your state, each insurer will have different eligibility requirements):\n\nMulti-vehicle discount \u2013 available if you insure multiple vehicles with the same insurer\nMulti-line discount \u2013 available if you insure your home and auto with the same insurer\nGood driver discount \u2013 if you have not had an accident or ticket in a long time\nGood student discount \u2013 if youre a student with good grades, usually about a B average\nSafe driver discount \u2013 if youve taken and passed an accredited driver safety course\nAnti-theft discount \u2013 if your vehicle has certain anti-theft devices installed\nSafe vehicle discount \u2013 if your vehicle has certain extra safety features\nRetiree discount \u2013 if youve reached a certain age, usually 50 or 55\nLow mileage discount \u2013 if your vehicle is not driven often\nOccupational discount \u2013 if you work in a certain field or hold a certain degree\nAuto club discount \u2013 if you are a member of an auto club, like AAA\nAssociation discount \u2013 if you belong to certain associations, like your alma mater\nAway-at-school discount if your child is attending school out of town\n\n5. Choose a car that costs less to insure\nIf youre purchasing a new car and have narrowed it down to two or three options, compare the auto insurance rates of each to see if there is a notable difference in the cost to insure. Remember, insurance rates are more for vehicles with high theft rates and repair costs. If there is a significant difference in cost to insure your first choice car, you may have to reconsider.\n\n6. Drive safely\nOK, this one is obvious but true. Drivers with no accidents, tickets or insurance claims almost always pay less for their auto insurance coverage. Your driving record is an influential factor in determining your insurance rate. Tickets and at-fault accidents affect your insurance rates for years. With a less than perfect driving record, you can find yourself paying a lot of extra insurance premium over the years.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n","protected":false},"excerpt":{"rendered":"

Are you paying too much for your auto insurance? If you believe you are paying too much for your current auto insurance coverage then the following suggestions may help you save money: 1. Shop around Sure, youve read this tip everywhere but its true. Only by shopping around for auto insurance coverage and getting quotes […]<\/p>\n","protected":false},"author":1,"featured_media":3260,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-3222","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/localleadsexpress.com\/demo\/insurance-agency\/wp-json\/wp\/v2\/posts\/3222","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/localleadsexpress.com\/demo\/insurance-agency\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/localleadsexpress.com\/demo\/insurance-agency\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/localleadsexpress.com\/demo\/insurance-agency\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/localleadsexpress.com\/demo\/insurance-agency\/wp-json\/wp\/v2\/comments?post=3222"}],"version-history":[{"count":0,"href":"https:\/\/localleadsexpress.com\/demo\/insurance-agency\/wp-json\/wp\/v2\/posts\/3222\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/localleadsexpress.com\/demo\/insurance-agency\/wp-json\/wp\/v2\/media\/3260"}],"wp:attachment":[{"href":"https:\/\/localleadsexpress.com\/demo\/insurance-agency\/wp-json\/wp\/v2\/media?parent=3222"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/localleadsexpress.com\/demo\/insurance-agency\/wp-json\/wp\/v2\/categories?post=3222"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/localleadsexpress.com\/demo\/insurance-agency\/wp-json\/wp\/v2\/tags?post=3222"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}