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12 Ways to Save On Your Auto Insurance

When you consult with us, we'll help you make all of the right decisions regarding your auto insurance.  Most important, at a time of loss, we represent your interests.  In the event you have a claim, you can count on us to work with you for a fast, fair cash settlement.


   
  1. OPT FOR A STABLE INSURER - Be sure the carrier you choose has a reputation for fast claims service. 
  2. DON'T OVER-INSURE - Choose only coverages you need.  (For example - if your car is over 5 years old, possibly drop your collision insurance)
  3. DON'T UNDER-INSURE - Saving a few dollars up front could cost you a significant amount of money at the time of a loss.
  4. CHOOSE THE APPROPRIATE LIMIT - Consider liability coverage carefully.  Don't underestimate jury awards - they can be astronomical.
  5. SELECT THE RIGHT DEDUCTIBLE - by "self insuring" what you can afford, deductibles can save you significant premium dollars.
  6. EXCESS LIABILITY - This is an economical coverage that picks up where your auto (and homeowners) leaves off.  It can save huge amounts in the event of a large judgement against you.
  7. ASK ABOUT DISCOUNTS - Some insurers offer multiple car discounts and safe driver discounts - even discounts for good student status, years of experience or retirement status.
  8. THE COMPREHENSIVE COVERAGE QUESTION - Without this option, you will not be paid for fire, theft, vandalism or other losses out of your control.
  9. UNINSURED MOTORIST COVERAGE - This is an important dollar saver in the event you are the victim of a hit and run driver, or one without insurance.
  10. TOWING AND REPLACEMENT VEHICLES - Following an accident, without this coverage you may have to go "out of pocket" to move your auto or rent a replacement car. 
  11. COLLISION COVERAGE - If you have a car loan, this insurance is required, but you should protect your interests, too, in the event your car is badly damaged by unknown persons.
  12. MOST IMPORTANT - TALK TO US.  We're independent agents representing several companies that want to compete for your business - We'll shop for you!