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10 Tips for Purchasing the Right Auto Insurance

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10 Tips for Purchasing the Right Auto Insurance

When was the last time you actually sat down and read through your auto policy? Did you ever open your insurance policy and faint at the site of your insurance premium? If you have been shocked with your current rate for car insurance, then you need to know there are things you can do about it. By following some simple steps you can lower your rate by hundreds of dollars every year and in some cases even thous ands per year. Of course do not sacrifice quality with cheap; you can have both.

Lowering Your Car Insurance Premium and Finding the Right Company for You

The steps to lowering your rate and staying with a reputable company are easy to do and will not take very much time.

  1. When shopping for car insurance ask for an extended start date for the policy. Companies love customers who are responsible enough to shop for a new policy before the other one expires. Sometimes, you can get a few bucks off your premium with some planning ahead.
  2. Ask questions of their customer service to test their knowledge. A good company or agency will employ people who are knowledgeable about their coverage and services.
  3. Price the higher coverage amounts on a policy because in some states they are as cheap as the lowest coverage amounts.
  4. Put both cars on the same policy for a multi-car discount.
  5. If you have teenage drivers who are struggling with grades, then help them raise their grades for a good student discount.
  6. Ask for the low mileage rate if you do not drive more than 8,000 miles per year with any given vehicle.
  7. Let our agency quoting engine check the rates of multiple carriers at once. This will save you a great amount of time.
  8. Speak with your agent about any other discounts that are not on the policy. One discount that goes unnoticed is the military or educational discount. This one has to be asked for.
  9. If you are looking for a better rated company, check their insurance rating to see if they are an A rated company or not. An A rated company is the best rating possible. Just keep in mind that there are several rating systems to look at but they give the same information.
  10. Be proactive with your insurance policy. Take the time to check new rates every policy term. You may be surprised at what you find.

Karl Susman, Susman Insurance Agency

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