Spring is upon us which means the weather is perfect for enjoying the great outdoors. It is also a great time to look for car insurance savings, especially before hitting the road on your next adventure. In your quest to find the best auto insurance rates, here are some great tips to make the process simple:
- Ask about discounts. There are a dizzying number of discounts available that can have a dramatic impact on your insurance rates. Examples include occupation, education level, driver training, good student, low mileage, safe driver, multi-policy, multi-vehicle, claim-free, e-documents, paid-in-full, and advance quote. Added up, discounts can lower your rates by 40% or more.
- Consider higher liability limits. Ironically, there are a few auto insurance companies that provide a discount to drivers that buy higher than average liability limits. You might actually find that carrying limits such as $100,000/$300,000 is less expensive than $25,000/$50,000 limits. Or, you might find that cost difference for higher limits is very minor. Make sure you ask for a quote with higher limits, just to compare. We always recommend you carry higher limits of auto liability, assuming the price is affordable.
- Evaluate your deductibles. When was the last time you made a claim? If you have not used your auto insurance coverage in years, consider saving a few bucks by raising your comprehensive and collision deductibles. If the premium savings pays for the difference in the deductible over 3 years or less it is probably a good idea.
- Shop local and save. Some of the best insurance are the ones you might never have considered. They may not spend billions on tv ads and have a great mascot, but regional insurance companies sometimes have the best rates and highest satisfaction. Carriers like Acuity Mutual exclusively use local agents and offer fantastic coverage at very competitive pricing.
Lastly, work with an independent agent like Safeguard Insurance. We work with up to 12 different providers of auto insurance and offer you unbiased advice and fast, friendly customer service. You can get an instant auto insurance quote on our website 24/7 and pick the best plan for you.