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Don’t Crash Your Cash: Car Insurance Secrets

Are you really in good hands? Will you really save 15% on car insurance? You want the best protection for the fewest pennies. Understandable. Here are three quick tips on how to do just that.

1. Shop Around

Yes, it’s tedious and time-consuming, but so is earning the money you are going to be spending on insurance. As you begin your search, be sure to ask your insurance agent or company the right questions. For example, Do you offer discounts? Do I need comprehensive coverage or collision or both? If my car is totaled how much will my insurance cover? Take the time to ensure you have found the best fit for your needs rather than simply going with the agent who sent you a free refrigerator magnet.

2. Do You Want to be a Policy or Person?

Insurance companies offer varying levels of personalized attention. If you want to talk to your own local agent, who knows your name, will recognize the intersection where you just had an accident and can work with you on an individual basis to customize your policy, this is what you need to find. Not all insurance companies provide this one-on-one opportunity and in some cases you may end up paying a little extra for this personal aspect but it may prove to be worth it. If you are fine with being one of the masses, contacting a call center with your accident report and setting up a fairly generic but effective policy for yourself, a bigger corporation can usually offer you lower rates for this type of service. Again, you decide what matters more to you and your wallet.

3. Dig for Discounts

There may be ways to save that you have not considered. Common discounts include:
  • Multiple policies – insure all vehicles with the same company as your home or renters insurance
  • Clean record – not only will a good driving record keep your rates low it can also reward you
  • Credit report – keep that score high and your rates may be lower
  • Special circumstances – your car is in storage, your college student won’t be driving the car while away at school, you car pool to work, etc
  • Reduced coverage – rethink how much coverage you have as your car ages. If its value has dropped you might not need that high collision coverage any more. Really, how much do you want to pay in premiums for a $3,000 car?

Shop smart. Know what you need. Find the deals. If you cover these bases, you’ll get the best prices on coverage.