| How
to get the best value for your dollar
Most people want
a good value when they buy a car. Sure, you want
a low price, but you also want reliable
transportation and service. The same applies to
buying car insurance. You want the best
value, not necessarily just the cheapest price.
If you are
facing repair bill and medical expenses, you need
a policy that covers you fully, that pays valid
claims promptly and gets you back on the road
fast.
Shop and
compare
You comparison
shop for everything from bread to that car you
just bought. You should shop for insurance as
well. But insurance can be complicated. It's our
job as your independent agent to help you compare
and choose the best value for you. We represent a
variety of high-quality companies and we can help
you find the policy that will best fit your
situation.
We'll help you
select the liability limits that are right for
you and help you decide if you should consider an
umbrella policy for extra protection.
The difference between state-mandated minimums
and real protection is often very wide.
Twelve ways
to save money
Most insurance
companies offer discounts that can put money in
your pocket. We'll help you see if you're
eligible for these and any other savings
programs:
- Higher
is lower
- You
can reduce the price of your
insurance by raising your
deductible. But, first, decide
how much deductible you can
afford to pay if you have a claim
- Age
before beauty
- Consider
reducing or dropping collision
and comprehensive coverage if you
have an older car. No matter how
bad the damage, your policy only
pays for the car's cash value.
You may throw money away if you
keep paying premiums on a car
that costs more to repair than
your policy will reimburse.
- Keep it
clean
- A
good driving record can help keep
your rates down. This means no
accidents where you're at fault
and no moving violations. If your
record is clean, insurers may
charge you less. You may also
have more companies from which to
choose if you're a good driver.
- Premiums
on premium cars
- You'll
pay more for insurance if you buy
a fancy sports car or luxury
model that's easily damaged. Call
us when you're considering a new
car purchase and we'll help you
determine the cost of your
insurance before you take the
plunge.
- A family
of policies
- You
may get a discount by insurance
all of your family cars on one
policy. You can also save by
having your cars and home insured
with the same company.
- Unlock
savings
- Some
insurance companies offer
discounts for anti-lock brakes.
- Come up
for air
- Passive
restraints such as airbags could
mean yet another discount.
- Drive
less, save more
- Do
you carpool, use mass transit or
leave your car in the garage most
of the time? If so, you may earn
a discount.
- To
forgive is divine
- Some
companies won't raise your rate
for your first "at
fault" accident if your
driving record has been clean for
several years. Ask about
"accident forgiveness."
- Make
thieves grieve
- You
may qualify for a discount if you
have anti-theft devices like a
hood lock or alarm or one which
will emit a radio tracking signal
if the car is stolen.
- Making
the grade
- Good
grades in high school or college
can earn your student driver a
discount.
- Drivers
ed pays
- Many
companies offer lower premiums
for young drivers who pass a
state-approved driver's education
course.
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