ifydcat Guess what? Auto insurance is just a way of life. If you want to drive a car, you have to have an insurance policy — or risk getting your car impounded every time you go out onto the roads. So instead of fighting it, use the rules of auto insurance to make sure that you get the very best deal from the company that will also provide the best service.
Figure out exactly what you need from a policy. Yes, you do need rental replacement, just in case your car is in the shop and you need something to get you to work and back. But do you need $90/day coverage? Probably not. You can get something for $30 or $40 a day that will fulfill your needs, and bring your premiums down. Also, your coverage levels don’t need to be as high if you are single without kids — there’s just not as much to replace.
Use one of the many online comparison websites to help you determine which provider will do the best job for you. There’s no reason for you to miss out on quality insurance because you’re bound and determined to call the five insurers you’ve heard of and not contact anyone else. Use the websites to your advantage, and then when you have found a good price, look into the background of that company through the Better Business Bureau or Ripoff Report. Does the company take good care of its clients? If not, why would you use them?
Get on the phone with a professional agent — if not for one of the providers, then for one of the broker companies that compare policies from different insurers. This will ensure that you get the best deal possible, and insurance agents are on your side — not the company’s — because they have a variety of options as well.
Instead of paying your premiums month to month, pay the bill in full at each renewal. This will make your overall premium cheaper, and you will also save the monthly billing fees that companies like to tack on. This will help you save a little money twice a year — but every dollar adds up.
Every auto insurance company has slightly different rules about discounts. Some offer discounts if you own your home instead of renting. Others provide discounts from everything to defensive driving classes to high grades for college students to having a garage to having anti-lock braking systems on your car to driving fewer miles each year. Find out what discounts you can get with your policy and push them to the max (without making things up). Then you will have the best service available for the best value.
It is up to you to take charge of your auto insurance policy, and manage your rates. The agent will not do it for you; the customer service people at your provider won’t either. Use these tips to get started with saving money.
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