Shedding Light On Car Insurance
Savings
It can be easier than you think to put the brakes on
high auto insurance rates – as an independent agency,
Serpe can help! We can review your policy and
possibly help you find a variety of illuminating ways to
save money. Here are some things you may want to
consider:
- Ask us to check several companies’
rates. This is the single most important
thing you can do to get the best possible
rate—and we can do it for you quickly and easily. The difference between the highest and lowest
rate available to you from different companies could
vary by hundreds of dollars.
- Reduce or drop physical damage coverage
on an older car. Depending on your car’s age
and where you live, comprehensive and
collision coverage may not be worth keeping.
We can give you advice on whether it makes
sense to reduce or drop this coverage
altogether.
- Raise your deductible. According to the
Insurance Information Institute, raising
your deductible from $200 to $500 could
reduce your collision and comprehensive cost
by 15 to 30 percent. In addition, because
the average driver files a collision claim
only once every ten years, odds are that
over the lifetime of your car, a higher
deductible will save you money. We can show
you how raising your deductible will lower
your premium.
- Look for discounts. Many insurance
companies reduce premiums for certain driver
traits or car features. For example: being a
homeowner for more than three years,
nonsmoker, nondrinker, students with good
grades, senior citizens who have taken an
approved defensive driving course, people
who only drive for pleasure, cars kept in
garages, antilock brakes, antitheft devices,
air bags, etc. Ask us to check.
- Don’t assume having your car and home
insured by the same company is the best
option. Because auto insurance rates vary so
much from company to company, it may make
sense for you to have your car and home
insured by separate companies. Let’s talk
about it.
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To learn more about all an independent agency can offer
you, call Serpe. |
