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: 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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