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Free Quotes & Consultation
Click to Call:
877-508-2098
Uncover hidden savings in auto insurance! Get insider tips to secure the best deal and save big on premiums.
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Everyone who owns a car has to have car insurance – it’s the law. What many consumers do not know is that premiums can vary by hundreds or, in some instances, thousands of dollars per year. The insurance industry has a lot of little secrets that can cost insurance buyers big money, but a little information can help consumers get a much better deal. And to help you get the best deal possible on your next purchase of auto insurance, here is some of that information:
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An insurance agent will typically ask if you have a current auto insurance policy but won’t inform you that you may also be entitled to a discount if you have been insured under someone else’s policy, such as your parents. Tell the agent because the discount for having prior insurance can be as much as 40%!
Consumers who call specific insurance companies for auto or home insurance, will get quotes from only that company. Even brokers that handle more than one company may not quote the lowest possible price. Their commissions are often based on the cost of the policy — the higher the better. You need to insist the broker compare pricing or use a website like www.hablamosseguros.com that facilitates price comparisons.
As time passes, many variables can reduce rates. Tickets and accidents generally fall off your record after 3 years. A clean driving record can be a huge money saver. One important note: companies that insure high-risk drivers by necessity have higher rates. Drivers will have more insurance options as they get older and clean up their records, especially if they have prior coverage (see tip #1).
Whenever a major change happens in your life, chances are your insurance costs will change. Getting married? Your premiums may go down (especially for men). Just turned 21? 30? 40? At each stage of life, insurance costs tend to go down – to the insurance companies, older and more experienced drivers are safer drivers.
Insurance policies are written in legal terms and are hard to understand. Ask questions about the insurance coverage on your current auto policy vs the quoted auto insurance policy and be sure you have the right coverage.
If you follow these steps, and as always, ask as a lot of questions, insurance customers can get the best deal in their auto insurance, with the proper policy coverage.