Yes, You NEED Car Insurance

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Yes, You NEED Car Insurance

Have you ever been in a car accident? I have.
Luckily, I have never been at fault, but unfortunately, I have been hit more than once by a driver that didn’t have insurance.

Imagine this scenario:
You are the first car at a complete stop at the red light of a major intersection. While listening to your favorite radio station and waiting for the light to turn green, SMASH!
You get rear-ended.
The driver behind you was busy looking at a text on his cell phone and didn’t realize he needed to actually stop his car prior to hitting you.
Once the realization of the hit and whiplash registers, you step out of your car. There is severe damage to your vehicle, yet barely a dent to his. Of course. You start the process of exchanging information, but notice that he starts to get really uncomfortable. Clearly, he doesn’t have proper car insurance. In fact, he admits that he doesn’t have any auto coverage.

Car insurance is important and necessary.
To start, it is the law. Most states require that all drivers carry minimum liability coverage. Driving without insurance means you are breaking the law and if you get caught, it can result in substantial fines, increased insurance premiums, and even a suspended license. Outside of it being the law, your vehicle is a very important part of your life. They are an expensive investment that need protecting. You would probably have a very hard time functioning without your car. Cause an accident and be at fault – it could get so expensive that you can’t afford your other bills and worst-case scenario, have to file bankruptcy. Making a small monthly payment toward your total premium now, can save you a ton of money later on. HUGE expenses can results from being in a car accident. With over 6.5 million car accidents happening every year in America alone, you need the coverage for you, the car, the passengers, and property. It provides peace of mind knowing that you are financially protected and have the assistance of an insurance agent to help you through the claim process.

Do you still need other reasons?
Your car insurance provides a level of legal protection between you and other drivers that wouldn’t hesitate to sue you for even the most ridiculous reasons.
It also offers protection from the nasty acts of Mother Nature. Hail, flood, icicles piercing your windshield, swept up by a tornado, etc.…you really want to have that coverage in case Mother Nature strikes!

YIKES! Got Car Insurance?
YIKES! Got Car Insurance?

How to save money on car insurance

Every day we are bombarded with advertisements telling us how to save money on car insurance. There is a good way to save money and a bad way. The good way does just that – save you money without taking away valuable coverage that you need. The bad way is, well, not listening to this show and learning how to do it right! This week, Karl Susman and guest Maureen discuss cost savings tips for auto insurance policies.


Karl: This is Karl Susman. Today we are going to be discussing tips and tricks for saving money on your current insurance. And today we have long-time friend and client Maureen on the line. How are you today?
Maureen: I’m good. I’m great Karl. How are you?
Karl: Excellent, excellent. Thanks for taking the time this morning on to be with us. I, it’s funny to say that you are going to be our generic consumer for the call today. So does it feel to be the generic person?
Maureen: I don’t know that. I’ve never been called generic in my life. But I’ll take it [unintelligible 00:54 – 00:55]
Karl: Generic, you’ll have to be, you’re going to be the common person today. What can I tell you –
Maureen: Got it, got it.
Karl: We’ll jump right in and we’re going to talk about today is ways to save money on car insurance which is pre near and dear to many people’s hearts, I think.
The first tip I want to give is to tell people that they need to shop around for auto insurance which seems obvious but it’s not necessarily the easiest or the, there are different ways to do it correctly. How do you, let’s just say if I told you shop around for your car insurance, what does that mean to you?
Maureen: Well, looking at [unintelligible 01:27 – 01:27] places that I have to tell you, shop around to me I [unintelligible 01:31 – 01:31] hopping online, selling out an information [unintelligible 01:36 – 01:37] and then literally just choosing like that’s the cheapest one so, let me take that one instead of looking a little bit more deeper into it more than just prices
Karl: Well you were the, you were the perfect generic person today because that is the, that is what majority people do. They just jump online, whatever looks to me the least expensive, they just grab it. And the truth of the manner is auto insurance is much as its people like to say it. It is not a commodity. It’s not one size fits all. It’s not an appliance that you buy in a whether you get the TV at Costco or you get the TV at Walmart or you order it online then you’re going to get the exact same model make in br anded product. Auto insurance is a lot more complicated than that and unfortunately, a lot of people are sort of falling into that trap in assuming it’s all the same.
Let me give you the right and the correct answer to [unintelligible 02:25 – 02:25] car insurance, it’s not just you go online, r andomly pick the least expensive number. What you wanna do is you wanna work with an independent agent or broker. And the reason for that is independent agents or brokers have the ability to actually shop around for you. So they’ll actually go to the open market and they’ll check with all the top insurance companies and then they’ll come back and they’ll say “ok this company will give us this coverage, and this price. This company will give us this coverage and that price”. And then another show will talk about different coverages and why it actually makes a difference that we’re just talking about saving money in this particular case, the agent will be able come to you and say “this is the best price that we’re able to find for you with the coverages that you need.” And it’s almost always going to be the, the best options for you versus r andomly going online and just picking number out of h and.
Maureen: Alright, I can tell you that I, being the generic person that I am and having pick a r andom number [unintelligible 03:20 – 03:20] internet that I haven’t even spoken with an insurance agent except for the one time I had a call because I forgot my lock and password. So –
Karl: Shame on you.
Maureen: I don’t know all the details, any of the information, what’s covered, what’s not so there is definitely [unintelligible 03:27 – 03:27] it’s not the only [unintelligible 03:39 – 03:39] using an insurance agent.
Karl: Right. For sure. You know the thing is that I have to just correct you because it’s like, it hurts my brain. We pronounce it insurance not insurance. I don’t know why it was just one of my [unintelligible 03:50 – 03:50] So I have to get that correct from you or it’s gonna drive me crazy.
Maureen: In – one more time.
Karl: Insurance. There’s no –
Maureen: Insurance.
Karl: There’s no emphasis on Insurance.
Maureen: [Laughing]
Karl: What can I tell you? Let that be my [unintelligible 04:05 – 04:05] right. Alright.
Maureen: Got it.
Karl: So the first thing is when you’re looking to save money on car insurance, go to independent agent or broker, have them do the shopping for you because you’re getting the added bonus of a person, you’re going to get a better rate, and most importantly you’re going to know what you have and what you’re going to have and advocate for your going forward. So that’s the first thing.
The second thing is, a lot of times people are carrying a deductible on their vehicles, deductibles for the physical damage for their vehicles. You sometimes prefer to [unintelligible 04:33 – 04:33] or collision other than collision. And that’s basically the amount of money you’re going to pay to fix your car in the event of the accident. You’ve heard of that with that sort of terminology you’re used to hearing?
Maureen: Yes [unintelligible 04:47 – 04:47] collision as what I used to hearing.
Karl: So, normally there is a deductible. People will carry a deductible from $250 to $500 sometimes. And here’s a little secret for you, well, let me give you the obvious first. You assume that the higher the deductible, the lower the premium, and the lower the deductible, the higher the premium, right? Which makes sense if you’re going to be out of pocketing more in the event of an accident, then the premium you’re paying all along will be less and vice-versa. That makes sense, right?
Maureen: Right.
Karl: Okay. So everyone said well I want a large deductible. But I don’t necessarily want to have be out of pocketing that much money in the event of an accident. So here comes the magic. Did you know, did you know, I have wish i have sound effects, maybe I can get some of my sound effects, drum roll. But did you know that the only time that you would be responsible for the deductible on your vehicle would be in the event you have an accident that was your fault?
Maureen: No, I did not know that. I thought that your deductible is your deductible, is your fault or somebody else’s, you still have to pay all of that out before you get the initial amount.
Karl: That’s what everybody thinks but let me explain it to you.
Maureen: Yeah.
Karl: So, let’s say you have an accident with somebody and let’s assume again that’s not your fault. So what’s going to happen is the damage to your vehicle is your vehicle is going to get fixed and the other insurance company insuring the person you have an accident with is going to have to pay for. Make sense, right?
Maureen: Right.
Karl: Now let’s also, let’s assume that you have an accident and the other car doesn’t have insurance. Then there’s a specific coverage that we can add on to your auto insurance it’s called waiver of collision which basically says in the event you have an accident and the other person does not have an insurance, they will wave your deductibles. So you don’t pay and being out of pocket. Your insurance company simply fixes the car. So whether the other car you have an accident with has insurance or not, you’re not paying for the deductible for your car. The only time you would be responsible for that would be in the event you have an accident and the accident is your fault, then you will be responsible for that deductible. So knowing that, if you think you’re a good driver, right?
Maureen: Right.
Karl: You more likely will be able to go with a higher deductible now because you figure well. If it’s my fault, ok I’ll have to st and that money for the deductible. But if it’s not my fault, it doesn’t matter what my deductible is.
Maureen: Absolutely with a higher deductible knowing all of that, yeah.
Karl: And it makes sense. A lot of people don’t realize that and they think that, like you said that all deductibles are deductibles and I have to pay it [unintelligible 07:19 – 07:19] Incidentally knows good insurance company is if the accident is not your fault, not only will they repair your car and wave your deductible, but they’ll turn around and go back to the other insurance company for the person driving the other car and then they’ll subrogate, meaning they’re going to collect the money they pay to fix your car to reimburse themselves in. And once they have done that then they won’t even have to charge you to a higher premium for having been involve in an accident.
Maureen: Wow.
Karl: That’s another important thing to be aware of the all insurance company is not created equal. Some of them will say “it’s not just our process or we don’t go, or we don’t spend the time and the money to [unintelligible 07:57 – 07:57] or money, we’ll just trace the premium that you’re paying instead.” But the better companies, they wanna be able to maintain a better rate for you so the way they do that is by subrogating and going to the other insurance company for the other driver and collecting the money back.
Maureen: That’s awesome.
Karl: That’s the way –
Maureen: [unintelligible 08:16 – 08:17] information, I had no idea. It’s awesome.
Karl: You see, miss generic person, now you know, you’ve learned something else. Another thing –
Maureen: I’m becoming less and less generic as we go on.
Karl: That’s right. Now you’re going to become the insurance guru. Another tip that I can give is a lot, is people need to fondle together their auto insurance with their property insurance. Now I say property insurance because a lot of people think that it’s just home and auto, home and auto, that’s what they have trained to hear from all of the messages. Bundle your home and auto together and save money. Well it’s not just home owners insurance. You can usually get a discount on your auto insurance by bundling together your home insurance, if you own a condominium your condominium insurance. Even if you’re a renter, and you’re renting an apartment, you can bundle your renter’s insurance along with your auto insurance, and you can save money on both of those policies as well.
Maureen: That’s something else I definitely didn’t know either of each. Right now I have my car covered to one organization or one company [unintelligible 09:16 – 09:16] insurance completely somewhere else. I thought you have to own your home or you own your property that it could be rental combined as well.
Karl: Alright, that’s what most people think. They think the only discount is available of your home owner but it’s not. You can be a condominium owner, you can be a tenant and an apartment building. And if you bundle that together, you’re going to have the benefit of a discount there. And again, some of the better companies they won’t just give you a discount on your auto insurance, they’ll give you a discount on the auto insurance and on the property insurance, whether be a home owner or a condo or renter’s policies. So you’re really be able to double the discount on both ends.
Maureen: [unintelligible 09:50 – 09:50] discount.
Karl: Tada! That’s right. Everybody –
Maureen: Yeah.
Karl: Everybody loves to save money and if you’re looking –
Maureen: Absolutely.
Karl: If there’s a way to do it, we’ll find it. The last little tip I want to give you today is since we’re talking about discounts is to let you know that you can find discounts for your car insurance that you probably didn’t know existed. There is no st andardized formula or name for different auto insurance discounts. You hear good driver, excellent driver, prefer driver, extreme driver, those are all discounts, but they’re just marketing names that different insurance companies that come out with for that with the exception in California [unintelligible 10:27 – 10:28] good driver doesn’t have definitions based on California proposition 103 many years ago. But having said that, you can get discounts for everything. From being a college graduate to being with a certain profession, to being a member to a credit union. You can even get a discount with certain carriers that I know of if you’re a member of a college alumni association. There’s even a company that I know that would give you a discount in the event that you’re a civil servant, meaning if you work for government agencies, they’ll only give you a discount if you have a family member that works for a government agencies.
Maureen: Wow.
Karl: So there are –
Maureen: I –
Karl: Go ahead.
Maureen: The discount that you’re naming nobody has ever named those stuffs to me before. It’s all we hear in the driver, great driver, maybe [unintelligible 11:19 – 11:19] but never the discounts that you’re listing right now.
Karl: Yeah, good driver discounts and good student discount that’s another issues. Well if you’re a full-time college student there’s discounts out there if you’re a 3.0-grader discount student, there’s a discount for that 3.5. I mean, again, there’s no st andardization for it. Whatever one particular insurance company says is going to be a discount, they can offer that and they do. This is another reason why it’s important to go to an independent agent or broker because once you’ve give them your personal information, they can say “ah, you’re this, you’re this, you’re this, I know a company that would give you discounts for that”. And they can turn around to get your rate that’s probably better than you were finding just go online by yourself and [unintelligible 11:59 – 11:59] around. So –
Maureen: That’s definitely nobody online just gonna ask that kind of personal information when it’s just computerized. Well, another benefit of speaking to a human being.
Karl: There you go, I agree, I agree. Well listen, those are the tips for today that I wanted to go over for saving money on car insurance. If you have other questions or you wanted to talk about anything more specific about discounts or maybe you would talk about some companies and what their discounts are, we can do that in another show.
Maureen: Excellent.
Karl: But if you have any questions in general about the discounts that I’ve talked about, or do you have any other questions in general about discounts for car insurance?
Maureen: We know it. My only question will be [unintelligible 12:36 – 12:37] and finding me for more discounts?
Karl: There you go. And you can think [unintelligible 12:41 – 12:41] to say that. So perfect, right?
Maureen: [Laughing]
Karl: We will definitely do that for you, we’ll definitely do that for you. Well again, thank you everyone, thank you everyone for listening and thanks for subscribing to our podcast –
Maureen: Yeah, thank you.
Karl: And we will walk with you, we’ll talk next week.
Maureen: Sounds great.
Karl: Thanks.
END [13:13]
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Discounts Everywhere

Do you like discounts?  I know I do!  In fact, I don’t now anyone that doesn’t like to save money!  There are numerous factors that can determine the type of discounts you are eligible to receive on your car insurance.  Your gender, age, location, and driving record are the most common discounts that most of us either know about, hear about, and/or currently receive.  However, the majority of us out there have no idea how many other discounts are available – and if we don’t know about them, then we can’t ask about them, and then we can’t receive them!

You can potentially get discounts for – age, gender, location, driving record, driving training courses, multiple vehicles, policy bundling, being a good student, maintaining low mileage, having a low-risk profession, having a public service career, holding a degree in a specifc occupation, have memberships to  auto clubs, credit unions, alumni organizations ( and more), bing in the military, being a federal employee, paying your policy in full – and SO MUCH MORE.

That is nowhere near an all encompassing list of potential discounts.  Speak to your insurance agent as soon as possible and see how much money you could be saving with all these “hidden” discounts!


Keeping Your Home Safe

Our previous blog was about protecting and keeping your children safe on Halloween.  There is something else you need to keep safe as well – your home.  Whether you stay home to h and-out c andy or join your kids in the neighborhood, you still need to take steps to keep you home out of harm’s way as much as you can.  It is unfortunate that property crime increases on Halloween, but you can still try to decreases the incidences.

Start by reviewing your insurance.  You want to make sure you are covered in the event of v andalism or burglary – the two mist popular crimes on Halloween.  If something happens, you will want that policy to be updated well in advance.  You also want to review your car insurance policy. If you park your car outside, it is worth it to make sure you are protected from v andalism to your vehicle.

Don’t turn-off all your lights.  Some people do this to let other know they aren’t h anding out c andy.  Other do it when they leave to take the kids out.  Either way, leave a light and television on to make people think someone is home.  A couple of rings of the doorbell might be annoying, but not as much as a break-in would be.  Yes – break-ins happen all the time on Halloween, because there are so many people walking around that hardly anyone notices what is going on. KEEP LIGHTS ON!

Stay off of social media.  Announcing where you will be and when gives criminals the perfect opportunity to find you or your empty home.

We hope you have a safe and happy night!


Insurance Trackers

By now you have probably heard about those car insurance trackers – you know, the advertisements that talk about those little devices you somehow plug into your car so it can track how you drive and then determine how much you should par for your car insurance and what level of insurance you need…??

How do those work? Do they really serve as a way to save you money?

The device connects to the internal computer system of your vehicle and sifts through all the information and date until it finds what it needs to determine how safely you drive.  This info is then sent directly and wirelessly to the insurance company that you opted in with for this program.  Often times you have to use the tracker for at least six months. During this time period, the device tracks habits, speed, accidents, time spent driving, distances, level and rate of braking, and sometime even location.

There are pros and cons to using such a device.  Many consumers find the tracker to be a success and saved money in the process.  Others didn’t like the outcome, didn’t save ‘enough’ money, or didn’t find the process to be fair.  As of now, nobody is required to utilize a tracking device.  You best bet is to stay in contact with an insurance agent you trust and keep your car insurance updated at all times.


Refresh. Renew.

It is time to renew!

Within the next couple of months, I will be renewing my car insurance, health insurance, lease, driver’s license, and cable television. It is crazy that when I first sign-up for something, it seems like expirations and renewals are SO far off in the future that I don’t really need to worry about it. In actuality, with how fast time goes by and how bust my life is. I almost have to start saving and planning for the costs of renewals and the time it takes to makes sure everything processes correctly, the day after I either sign-up to begin with or do a renewal.

For something simple like my driver’s license, I know that it is just a quick picture, fee, and I am done. It is something I need and have to have. It doesn’t require review or changes on my part. However, I always take the time to review my car insurance and health insurance coverage every time I have to renew. Not only do the policies, rules, and regulations change, but sometimes so does the coverage for what I was originally paying. I don’t want to be stuck without proper coverage.

Last year I started using my health insurance renewal period as the time of year that I also review my life insurance policy. Just like everything else, I want to make sure it fits with my current needs and lifestyle.

Double-check your life insurance policy. Is it current for your life? Does in need updating?

Time to make changes and renew…

Homeowner And Auto Insurance Quote – What To Know About Personal Property Insurance

Did you know that if you buy your auto insurance from the same company as your homeowners insurance, you could get a discount? Many companies offer what is called a multi- discount.

Here are a few other tips for saving money when buying insurance:

1.Shop, shop, shop: Always shop around. Different underwriting guidelines may cause one company to charge more for your homeowners and/or auto policy where another company may be able to offer discounts. Get a couple of quotes and compare not only the premiums, but compare overages.

2.Deductibles: Rule of thumb, the higher the deductible, the lower the premium. Remember, however, the purpose of insurance is to make you whole in the event of an insured loss. Don’t raise your deductibles to the point where you’re spending more out of pocket than you can afford. If you currently have a $250 deductible and can live with a $500 deductible, then raise it accordingly. However, if you raise your deductible to $5,000 to save money on your premium and then suffer a loss, that first $5,000 comes out of your pocket. So, raise them only as far as you can afford.

3.Discounts : Ask for discounts. Some companies offer discounts to senior citizens which can amount to as much as 10%. Other companies offer discounts on auto policies to teens who maintain good grades (B or above). Your agent is aware of these discounts so always ask.

4.Longevity: Once you find the right insurance company, stay with them. Insurance companies like loyalty and will offer discounts for remaining with them for several years. Three to five years with the same carrier may earn a 5% discount and six years or more as much as 10%.

5.Credit Score: As unfair as it sounds, your credit score is taken into consideration when determining your premium. Know your credit score and do whatever you can to improve it.

Having the Right Amount of Auto Insurance Coverage

Maybe you have auto insurance coverage now but do you ever wonder if it’s enough if you are unfortunate enough to get into a car accident? Some people carry a combination of auto insurance coverages because carrying too little coverage can cause you to be paying for the rest of your life under certain circumstances. Of course everyone has to have basic liability coverage, which is usually worth up to $50,000.00 for any single personal injury.

This goes as high as $100,000.00 for everyone involved and even though it might seem like a lot, this is not a lot of money given a nasty accident where medical bills, lost wages, and compensation for pain and suffering is involved.

With auto insurance the more coverage you purchase the cheaper it gets. This means that your cost goes up a little on your auto insurance coverage while your protection goes up proportionately more. This will pay off big time in the case of an auto accident and insurance settlement. It is the safety umbrella that you will need to avoid worry and stress from a stressful situation to begin with.

There are accidents that are serious enough to cost as high as a million dollars or more in a settlement, depending on the circumstances. Depending on your auto accident and insurance settlement, without the proper auto insurance coverage you could end up in a situation where you will be paying out money for the rest of your life.

If you can’t afford to get the full package on auto insurance coverage, it is better to take out $300,00.00 to $500,000.00 in personal injury liability and go a little less on property damage. Insurance coverage for property damage from an accident won’t be as expensive as personal injury can be. So when you’re purchasing coverage for your auto, keep in mind the extra money you pay now could pay off big time in the future.

Another auto insurance coverage that you will find extremely important is uninsured and under insured policies. This type of coverage will protect you from those that are driving illegally without auto accident and insurance settlement insurance. This is extremely important if an insurance settlement is paid out.

It is like buying more protection for yourself, as the other driver that hits you without coverage will have nothing to help you over your accident. Even though it may seem as if you are paying for the mistakes of another, it is worth it in the end.

Make sure you get enough auto insurance coverage, don’t skimp.

Getting the Best Deal on Auto Insurance

Shop around and do it yearly. Don’t just keep paying the invoice over and over without comparison shopping. Below are a few suggestions to help you get the best deal available on your automobile insurance policy.

Insurance agents really have a lot of leeway. They can price match and they can offer many discounts. There are also many decisions you can make about your policy that will save you a bundle. For example, if you change your deductible on your collision from a $50 deductible to a $1000 deductible, you’re inline for a huge premium savings. If you don’t think you could come up with $1000 out of pocket, then change it to a $500 deductible; you’ll still save a sizable amount on your annual premium payment.

You can also get more of a savings if you change your comprehensive deductible. Many people needlessly carry full coverage on their older vehicle. They originally purchased the vehicle new, paid for full coverage and to this day, continue to pay the same high rate. Their ten year old vehicle may be worth $1000 or less, yet they continue to pay $250-$450 every six months (total $500 to $900 dollars a year) to keep full coverage on their old vehicle.

However, if they have an accident and totaled their vehicle, the insurance company will only pay them the wholesale value of the vehicle. The amount they would receive could be $1000 or less. A vehicle that old just needs the insurance that protects the other person in case of an accident.

Another method to save more on your insurance is by combining your vehicles and other insurance together to get you additional savings. All insurance companies offer a multi-car discount (if yours doesn’t, it’s time to switch companies). Further, many will discount more if you have your homeowners or renters policy with them.

There are a few other discounts that you may not be taking advantage of. It seems obvious, but make sure you are getting the correct rate for your age. There are discounts for various ages than can save you lots of money. Check with your agent on this one. Also alarm systems on your vehicle are usually good for a discount. Additionally, anti-lock brakes and air bags can also help lower your premiums.

Don’t just keep paying the invoice when it comes in. Your insurance bill should be an automatic trigger for you to make a few phone calls to see if you can save even more money on your auto insurance premiums.

Getting Discounts From Your Auto Insurance Company

Let’s face it an auto insurance company is a business that is created to make a profit and if we are not careful we might end up paying super high premium rates when we could have paid much lower premiums if we only did some research.

Here is a list that I hope will help car owners in lowering their premium rates:

• Safety devices against car thieves

Who would ever think that theft devices are valuable not only in guarding your car against thieves, but also in lowering your premium? Theft devices come in various types. Some are automatic while some need to be manually operated. All these theft devices provide extra premium discounts. In some states window sketching may also be a source of additional premium discounts.

• Multiple car discount

Let us say that you have two cars (for the sake of the illustration) that you want to insure with an auto insurance company. Usually you have to pay separate premiums but did you know that you could actually save a great deal on the premium that you will be paying for your second car? How? Consult your insurance agent to help you.

• Choose Yearly Renewable Auto Insurance Policies

Purchasing a yearly auto insurance policy will provide you with greater savings since the premium rate is fixed for one year compared to buying a six-month policy which changes rates every six months. If you purchase a six-month policy the premium you paid on your first semi-annual premium will not be the same as your second annual premium payment. So instead of saving, you tend to pay more for the same amount of benefits.

• Comprehensive storage coverage

The comprehensive storage coverage is ideal if you are thinking of storing your car for a period of time. It is a great savings idea to keep only the comprehensive coverage during the time you store your car since other coverage will not be required. A car in the garage is unlikely to get into a collision thus it will not require liability coverage.

• Mileage

The mileage that your car travels everyday has a significant effect on the premium rate that you are to pay since the mileage will determine the particular class in which your car belongs. Each class has a different premium rate.

• Organization affiliation

There are many auto insurance companies that offer a discount for being affiliated with certain organizations. These organizations may range from credit unions, college sororities and fraternities, or just having a certain credit card may also earn you a considerable discount on your premium. To be sure, call your service center and ask them for a list of the organization affiliations that they accredit, the same goes with the credit cards.

• Defensive driving course

Some auto insurance companies provide considerable discounts simply by attending defensive driving courses. For more details just check with your state insurance commissioner or you insurance company to see if you qualify and also to inquire on their accredited driving centers.