There are many things that you can do to adjust your auto insurance policy to give you the best coverage for your particular situation. Here are some tips for you to improve your policy and also save some premium.
- Raising your deductible
The deductible is the amount you pay from your pocket before making an insurance claim. The disadvantage of raising your deductible is when you make a claim, you will pay more. However, if you are a safe driver, you will save more money over time by raising your insurance deductible. Look at your previous insurance claim history and make a discreet decision for yourself.
- Older Auto – Drop comprehensive / collision coverage.
If your car is not worth much, why pay for comprehensive and collision insurance coverage? You can visit a myriad of online sites to find the true worth of your car. Additionally, your insurance agent might be able to pull up the true worth of your vehicle.
- Taking advantage of low mileage
Some auto insurance companies will give discounts if you drive less than a certain number of miles or drive less than a certain distance to work.
- Moving – Consider insurance costs.
If you are considering moving, it will be a good idea to call your insurance agent and get his or her opinion on the insurance costs in the new city or state.
- Low profile vehicle
Your vehicle will also determine your overall insurance costs. Some cars are favorites for thieves since they fetch a good price. Some cars are more expensive to repair. It makes a lot of sense to do an adequate amount of research before you make your auto purchase.
- Make sure your vehicle is correctly listed by your insurance agent.
Many manufacturers offer somewhat similar model names for vehicles but insurance costs may vary. Additionally, 2 or 4 door or the wrong model can impact your auto insurance quote.
- Have your insurance agent check other insurance company discounts.
A lot of companies will offer discounts if you have multiple vehicles, have multiple policies with the same carrier, have youthful drivers that have taken drivers training, and are good students. Check with your insurance agent to save money.
To find the right auto insurance for your needs, reach out to Insurance of the Heartland in Ansley, NE. With over 60 years of experience, this agency offers a number of personal and commercial insurance lines of business throughout central Nebraska. Their service area includes: Broken Bow, Litchfield, Merna, Sargent, Burwell, among many others. Their team will help you choose from a broad range of carriers to find the best coverage for your premium dollars. Visit their website to learn more about how they can help, or call (308) 935-1537 to ask for a free quote.