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Home > Blog > The “one size fits all” insurance policy is going extinct
TUESDAY, JULY 20, 2021

The “one size fits all” insurance policy is going extinct

How you can save money on your auto insurance - POST-COVID shut down.


Many are no longer driving back and forth to work. Take a moment to review your auto policy to see if there are ways to take control of their auto insurance premiums. Here are seven tips that could help.

  1. Enroll in a usage-based program. Each carrier has their own program. Learn what each program entails to see if it is a fit. 
  2. Don't pay for more coverage than is needed.
  3. Call your insurance agent for car insurance quotes before finalizing your purchase on a car. Simply put, some vehicles are more expensive to insure than others. Drivers should make sure they can afford both a new car and a higher insurance premium.
  4. Raise the deductible. The higher the deductible, the lower the premium. Before making the change, though, drivers should make sure they have enough money put away to cover the new, higher deductible.
  5. Check out discounts. Insurers offer discounts for everything from age to occupation. Figure out which discounts are applicable and take advantage of them to lower the premium.
  6. Bundle coverage. Carrying different types of coverage (like auto, homeowners, renters, and life) with one company can score drivers a healthy rate discount.
  7. Rethink coverage on an old car. Let's say a vehicle is 15 years old and has a Kelley Blue Book value of $1,200. It may be time to remove the physical damage coverage and focus on liability for a rate cut.

 

Check with your independent insurance agency to learn which carriers offer various discounts that can help you save $$. 

Posted 4:54 PM

Tags: auto insurance; car quotes; deductible; discounts
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