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.

Glass 1

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.

Glass 2

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.

Tags : , , , , , , , , , , , , | add comments

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.

Tags : , | add comments