Tips to Save on Auto Insurance

Posted by admin on Monday Nov 16, 2015 Under Insurance Tips

Car insurance laws vary from state to state, but all states include some type of car insurance coverage requirement. That means almost every driver is looking to save a little money on their auto insurance. If your vehicle is damaged or you’re in an accident, car insurance can protect you, your family, and your vehicle.

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Understanding exactly what type of insurance is required and value shopping for that insurance goes a long way. Looking for discounts in the long term is a good option as many competitive insurance companies offer different discounts and rewards. Discounts are often available for non-smokers, college graduates and drivers with good credit ratings. Companies can also offer discounts for certain age groups, not having accidents or maintaining proper speed as checked by an in-car sensor.

The key to getting the most value out of insurance is knowing what’s required by both the state and the driver. Bodily Injury is the minimal requirement in many states, but drivers might do better with a slightly enhanced policy or comprehensive coverage. This depends largely on the risk of other vehicles in a location and a number of other factors. Once a driver knows the policy they need, shopping around both the big name insurance companies as well as smaller local firms is advised. It doesn’t hurt to actively compare rates and see if discounts are available.

 

Bodily Injury Liability: Provides coverage in case you cause an accident in which another person or people are hurt. It covers the damages that you’re legally responsible for and provides a legal defense if someone sues you for damages.

Comprehensive Coverage: Protects you against vehicle damage not caused by a collision, such as theft, vandalism, natural disasters, falling objects, and more. Most insurance companies will cover the cost of auto glass repair and replacement if you have comprehensive coverage.

For incidents that require auto glass repair and replacement services, insurance companies will more readily choose shops on an approved list or that offer a preferred rate to insured drivers. Most reputable auto glass shops preform both minor and major repair work for insurance companies and help insured drivers work with their insurance company to file a claim.

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In states such as Kentucky, Florida, Arizona, Massachusetts, New York and South Carolina, no-deductible policies are available either as part of your insurance policy or as an add-on which could reduce the cost of your auto glass replacement or even make it free to you. For more information on these Zero-Deductible States, see our Florida shop pages for Pensacola and Jacksonville and our Arizona shop pages for Mesa and Phoenix.

Drivers can look for several ways to save on auto insurance. Shopping for the lowest rate helps upfront costs. Earned discounts and savings can help with the long term costs of insurance. Dealing with reputable auto glass shops that work with insurance companies can save you both time and money.

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Insurance Tips: Read Your Policy Carefully.

Posted by Joshua on Tuesday May 28, 2013 Under Auto Glass, Insurance Tips

This may seem like a no-brainer to experienced drivers, but sometimes even the obvious insurance tips are worth repeating. When a driver first gets an auto insurance policy, they should take the time to go through the paper copy of the policy carefully. This is to ensure that everything they expect is covered in the document. Insurance policies are often long and complex documents and can quite a while to read. It is almost always in the best interest of the policy holder to take this time and familiarize themselves with exactly what they are entitled to in terms of insurance protections. This can save drivers confusion, time, money and significant stress in the case of a mix up.

The insurance companies get quite a bit of bad press regarding denied claims, and there’s no denying they bring it themselves sometimes. Other times, however, a little due diligence on the part of the driver is worth the effort up front. Drivers should make sure they completely understand what a policy means before they have to draw on the insurance coverage for a payment. Taking the extensive and particular legal wording of an insurance policy for granted is where things can start going wrong for a driver.

Sometimes mix ups happen, and a driver isn’t clear about what the policy they really want needs to include. Sometimes there is a legitimate mix up with the insurance agent and the policy a driver thought they were signing up for is shuffled to another policy due to a computer error or other internal confusion at the insurance agency. A driver who reads the policy in full and looks for the terms they need in specific can ensure this type of mix up is fixed quickly and efficiently.

A good example of this type of confusion is in the type of policy itself. Automotive insurance can cover the vehicle and the driver and may be needed to do either in the case of weather related damage. Full coverage generally covers theft and vandalism, but a company may require a separate theft policy or waiver. This can be true when major weather strikes. Auto glass is often damaged in storms, floods and all manner of inclement weather. A driver who wants their auto glass to be insurance covered in the case of bad weather needs to look for coverage in each specific weather instance.

Drivers who take the time to read and makes sure they understand the paper policy they receive are always going to be the most well informed about what their insurance will and will not provide. It is always better when a driver can confirm that they have bought the right policy and that all of their needs are covered. Taking the time to confirm in detail that a policy covers individual circumstances like theft, vandalism and varying types of weather that commonly damages auto glass is a great way to ensure you will receive the benefits you have been paying for when the nasty weather strikes.

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Most drivers opt for the lowest deductible that they can manage and still have a good rate. Some drivers are even willing to pay a high monthly rate in order to pay an extremely low deductible in the wake of an unexpected accident. This isn’t necessarily a bad idea, but for thousands of drivers it is a huge waste of money. Drivers who are only on the road infrequently can save a bundle by accepting a high deductible.

For drivers who are on the road frequently, especially on the road in high traffic lanes, a low deductible probably is the better idea. For drivers in rural areas, urban drivers who use other methods of transportation and older drivers who only use the vehicle for errands that only take them a short distance, a high deductible plan can be a great idea. A driver with low risk can make much better use of a high deductible plan and will save quite a bit on their monthly rate.

A high deductible means that a driver will pay more in an accident than a high cost plan with a low deductible. Drivers that have a deductible in excess of $500 are advised to keep some money held back just in case of emergencies. Accidents do happen and even if a driver is in a low risk zone and there is no way to be prepared for every other driver. Saving a deductible payment is a smart move if you’ve saving on monthly payments.

Many drivers can take advantage of a high deductible plan. Short distance drivers and infrequent drivers can save hundreds or thousands of dollars with a high deductible plan. Many insurance companies charge extremely low rates with high deductible plans. Just in case of emergencies, drivers are encouraged to keep some cash back to help with the payments on a high deductible plan.

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Local insurance providers are often the best options on the market and can provide outstanding values. Everyone knows that national auto insurance companies are more than happy to take their money. The sheer amount of commercials for auto insurance is a pretty big hint that it’s a buyers’ market. Many drivers never stop to consider the smaller, local auto insurance providers when skipping straight to the national networks. This is unfortunate as drivers can often save quite a bit of time, money and energy.

Insurance is only available state to state, so many of the national “chains” of insurance simply refer drivers to a large state office. Many smaller branches and offices are often available, and the local insurance provider isn’t always on the radar. Local insurance branches tend to offer quality, personal service at rates than can meet or beat the national brands.

Local providers know that the size of their client base is often directly related to the rates they can provide. This means that local providers tend to run a lean business and provide as much value as possible to their clients. Local insurance providers can often offer lower rates and a variety of amenities that major branches might not offer.

Local branches tend to be run by one or two insurance agents, who will work to assist the customer in any way possible. This means a far more personal and direct service than dealing with a national brand with a 1-800 number. Local insurance agents pride themselves on low costs and understandable insurance policies. The next time you need to renew insurance, make sure to check in to your local auto insurance providers.

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Insurance Tips: More Vehicles, More Savings.

Posted by Joshua on Monday Mar 4, 2013 Under Insurance Tips

One quick way to save money with auto insurance is to make sure that if you have multiple policies, you are grouping them all through one insurance provider. In almost every circumstance, an insurance company will offer discounts if you group multiple vehicles together. This can offer enormous savings to families, businesses with automotive fleets and anyone who owns multiple vehicles or needs multiple policies. This type of bundled insurance savings is also typically available with different types of policies. Homeowners and renters can often benefit from these increased savings as well as multiple vehicle and vehicle fleet owners.

Insurance providers of all sizes can benefit by offering multiple policies to one client. Each insurance policy you pay into typically means a fair amount of profit for an insurance company, in exchange for offering you a financial safety net in case of an emergency. By offering consumers a discounted rate on individual policies. an insurance company earns the profits on each of the policies annually. Auto insurance policies for cars, boats, commercial and privately owned vehicles are all easily bundled by many insurance companies. Many renters insurance and homeowners insurance policies can be bundled as well, offering drivers another way to save.

If you have multiple vehicles in your family, or your home based small business uses multiple vehicles, bundling the policies is an enormous money saver. Even in families with just one vehicle and renters insurance, the savings can add up quickly over the course of a year. The more policies you use with one insurance carrier the more that carrier stands to profit, so it’s good business for them to offer discounts for bundling policies together. If you have multiple insurance policies with different providers, ask your preferred provider if they offer a discount for bundling services.

 

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A Few Tips to Save on Auto Insurance.

Posted by Joshua on Monday Oct 8, 2012 Under Auto Glass, Insurance Tips

Automotive insurance is a requirement in 47 states and driving without it requires fee’s or additional bonds in 2 of the remaining three. That means almost every driver is looking to save a little money on their insurance. There are as many ways to go about this as their are types of drivers in the U.S. Understanding exactly what type of insurance is required and suits the individual driver and then value shopping for that insurance goes a long way. Looking for discounts in the long term is another good options as many competitive insurance companies offer different discounts and rewards. In the long term a driver making sure to work with their own insurance company to determine the best and cheapest repair shops is also a big saver.  For incidents that require vehicle body and auto glass repair and replacement services an insurance company will always have preferred shops and will prefer shops that offer the best rate to that company and in turn that companies insured drivers.

The first key to getting the most  value out of insurance and saving on initial purpose is value shopping. This starts by understanding the exact insurance needs of the driver and requirements of the state. Minimal liability is the minimal requirement in many states but many drivers might do better with a slightly enhanced policy or even full coverage. This depends largely on the risk of other vehicles in a location and a number of other factors. Once a driver knows the policy they need shopping around both the big name insurance firms as well as smaller local firms is advised. It doesn’t hurt to actively compared rates with the other companies and see if discounts are available.

When it comes to looking for earned discounts in an existing policy there are dozens of options to choose from among the various competing insurance companies. Discounts are available for non smokers, college graduates and drivers with impeccable credit ratings. Companies offer discounts on the long term for certain age groups, not having accidents or drawing on insurance and maintaining proper speed as checked by an in car sensor.

Using an approved insurance shop for auto glass damage and repair can save on the cost of the deductible as well as the overall cost of the repair. Insurance companies will more readily approve shops on a preferred list or that offer a preferred rate to insured drivers. Most better auto glass shops find it in their best interests to preform both minor and major repair work for insurance firms and insured drivers to guarantee they draw customers back with quality business for all auto glass needs.

Drivers can look for several ways to save on auto insurance in the long and short term. Value shopping for the lowest immediate rate helps up front costs. Earned discounts and savings can defray the long term costs of insurance. Working with auto glass and auto body shops that the insurance firm prefers also leads to savings.

 

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