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: Maximizing Insurance Savings.

Posted by Joshua on Sunday Dec 23, 2012 Under Auto Glass, Insurance Tips

There are several ways to save on the long term cost of insurance. This is true in terms of long term costs and deductibles and overheads when insurance is required to make a payment. Many insurers offer bundles which can save drivers significant money on automobile and other insurance. Using only insurance approved shops and services like certified auto glass repair shops can save both the insurance company and a driver money in the long term. Good driving is important when acquiring a new policy. It can also be extremely important to long term savings with many new policy options.

Drivers can save quite a bit by using an insurance company that allows them to bundle service. Combining automotive insurance with home, motorcycle, boat owners, renters or other insurances can get a lower rate on all of them. The savings can add quickly if a company offers a price reduction on each insurance when bundled together.

Using certified and insurance approved services is another good way to make significant savings. Drivers can usually get a discounted rate on roadside assistance, or even free roadside assistance from an insurance company. Drivers can also save by using repair services approved by their insurers. As an example, auto glass repair specialists often work with insurance companies. This relationship offers both the company and the driver deep discounts on auto glass services and deductibles.

Good driving for years can get drivers significant discounts when it comes to shopping for a policy. Most insurance companies now offer drivers a reward for even longer periods of good driving. Drivers can also earn a lower deductible, a lower rate or both from simply driving carefully.

Drivers can save significantly on auto insurance in a number of ways. Bundling insurance with other insurances offers deep savings. Using approved and certified specialists, like auto glass repair specialists can save major bucks. Finally, simply being a good driver and avoiding automotive damage can save thousands of dollars over the life of an insurance policy.

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