Insurance Tips: Shop Around to Even the Odds.

Posted by Joshua on Monday Apr 22, 2013 Under Insurance Tips

Sometimes drivers stop shopping around for an insurance policy just because they’ve found one that works, but this can cost drivers hundreds of thousands of dollars in the long run. You shouldn’t assume a vehicle insurance policy will continue to be the best, just because it was a great value at time of purchase. Insurance companies often have rates that can vary considerably over the course of a policy. Beyond that, insurance companies are notorious for not offering new discounts or deals on rates to existing customers. Instead, these types of specials are only offered to new customers to draw them into business with the company.  Shopping around every year for the best vehicle insurance policy evens the odds that you’ll find one at the right price for you.

While an insurance company may have given you the best rate they could offer last year, they won’t automatically give you this same better rate this year. In most cases there is no way for a driver to get the bonuses and rates insurance companies offer new drivers. If you want the best value that the new yearly bonuses and plans offer, you’ll probably have to go to a new company to get them. On rare occasions, informing your existing insurance company that you are going to be cancelling the policy can make up some of the difference, as they may have incentives for you to stay on board. Normally, these incentives will still fall short of what new policy holders are offered in the initial period.

Shopping around every year for the best insurance policy can take time, but can also mean major savings. Taking the time to research, and calling around to see what all offers are on the table when it comes time to renew your vehicle insurance is a great way to save money in the long term. Don’t feel bad, or like you owe loyalty to one particular insurer. Just like you, they are looking to save the most money possible every year.

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A mobile auto glass repair specialist can often provide several solutions to help drivers with their spring travels. Traveling across the country for the spring is a time honored American tradition. Most adult drivers know that it’s a good idea to have a vehicle checked over before a long spring trip, including the auto glass components. Unfortunately, spring weather can often be erratic and include all manner of storms, making windshield damage on the road a terribly real possibility. The increased traffic due to spring break can also lead to glass damage. A driver can save themselves time, money and headaches by calling a mobile auto glass repair specialist. A mobile auto glass specialist can get them back on the road with new auto glass quickly and efficiently.

Spring break means trips for teenagers, adults and whole families. This can be anything from a classic country camping trip, to an extended spring break road trip. Experienced drivers will typically have the car inspected thoroughly before driving any significant distance, but that won’t always show weakened or stressed auto glass. Even if the glass is in perfect order when the trip starts, shifts in weather may cause any number of weather conditions that cause auto glass damage. Hail is common through large portions of the Midwest that drivers often have to deal with it over the spring.

With increased travel comes all manner of increased mayhem on the roads. Spring break often means drunk drivers, road debris and erratic traffic. That’s a combination that easily leads to broken and damaged windshields. This can end spring break fairly quickly for drivers who aren’t sure what to do in this type of emergency situation. Drivers do have options though, especially if the damage is only to the auto glass.

Mobile auto glass specialists are available for just this type of emergency. Instead of paying obscene prices for a long distance tow or a tow to an unfamiliar shop, drivers can call a mobile auto glass specialist to perform the repairs or auto glass replacement at the site of the accident. For drivers who have traveled out of state for a vacation, this can literally mean thousands of dollars and countless hours saved. In many cases, that can save the spring trip entirely.

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Insurance Tips: One Policy Per Family.

Posted by Joshua on Monday Apr 15, 2013 Under Insurance Tips

Bundling all of your family together into one family auto insurance policy is just good sense. Insurance companies often offer a deduction on each person the policy covers in family auto insurance, leading to significant savings over the course of a policy. Newlyweds often leave both of their vehicles on separate policies. This can be a mistake and lead to significant money loss. Parents who get a new-to-the-wheel teenager a separate policy can also expect to pay through the nose on the youngsters premiums. With multiple children driving, this can be even truer. Insurance companies are often happy to bundle more than one type of insurance together as well, for families who need multiple insurances.

Even there is money, to be saved by combining insurance policies. Some insurers offer discounts on the overall cost of the policy to married people. Almost all policies will cost less per head if all of the policy holders and vehicles are on one insurance policy. In the rush of a wedding, moving in together and beginning a new life, it can take months, or years, to combine all of the finances. In many cases, this isn’t a terribly tremendous deal, but with car insurance it typically means missing out on savings.

When the kids learn to drive, parents sometimes think the better options is getting several policies instead of one large family insurance plan. While this can protect an increase in premiums if the teenager is accident prone, overall it tends to costs hundreds or thousands of dollars more over the course of the policy. Parents with good driving records can almost always save money by adding the new drivers directly onto the new family policy. With multiple teens under one roof and in one fleet of vehicles, this adds up to even more savings.

Families who need multiple insurances will find that insurance companies are often extremely happy to work with them. Policies on all types of vehicles like boats, all terrain vehicles and motorcycles can typically be rolled into one policy or at least “bundled” for savings on each policy. For families with several vehicles, as well as families that own property, this can lead to considerable savings.

Just remember, a single family usually only needs a single insurance policy. Newlyweds are encouraged to combine policies as soon as possible for maximum savings. When it comes to teenagers, keeping all of the car insurance policies in the family is almost always the best option. Smart consumers can save extra money by bundling other insurances to their existing automotive insurance.

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