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Ways too lower cost of insurance
There are a lot of responsible people who carry insurance. However there are a lot of people driving around without any insurance. To the best of my knowledge insurance is required in all states when driving an automobile. Some states do not require insurance when driving motorcycles.
One thing that is common is that people feel insurance costs too much. I have worked with insurance companies and my understanding is that insurance companies make a small percentage on each policy. I have seen years that companies have lost money due to bad weather or too low premiums collected.
Some ways to lower your insurance premium:
1- Lower your coverage amount. You want to make sure you have proper coverage for your situation. But I have seen people working at fast food with $1,000,000 of coverage. You may not need the same coverages as your parents. However be sure to talk to a qualified representative because I have seen plenty of people underinsured.
2- If your car is older and paid off you could drop your collision and comprehensive coverages. Look at the cost and make a good decision you are comfortable with.
3- Shop around with different companies. Otherwise call a company that represent a large amount of companies. Usually they are not as attached to 1 company. If they only have 1 company. Guess which one they will try to sell you. ie= one companies fits all.
4- Many people have a old vehicle they only drive a few times a year. Like a truck to run to the dump. See if your company will allow you to take off when not in use. Adding only when you need to use it. I have heard that some will do this. Then only adding it those few days you drive it. It does not hurt to ask.
5- Many companies offer paid in full discount. You pay the whole premium upfront. In addition to sometimes a discount. Often additional savings come if you have to pay service fees with monthly billings.
6- Multi-car discount. This can be huge. I think some give up 25% off. A lot of people who live toether can be on the same policy creating savings for all vehicles on the policy. Not all companies offer this. If your does not then calling around may be worth the time.
7- Many give a discount for prior insurance. So if you bought insurance without prior insurance. You may never get that discount unless you change companies. Even if you have been at your company for many years.
8- Many companies give discounts for signing up for EFT (electronic funds transfer). Since they do not send you a monthly bill. They pass some of the associated savings on to you.
Again, please talk to a professional. Lower cost insurance is not always the best. Insurance is there for a reason and shopping around may save you money.
Mr Insurance
May 2010
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