Controlling Car In$urance
There are ways to address rising car insurance costs. First, gather your insurance records and any other car-related information. Next, determine if circumstances have changed since you last dealt with your coverage. Once this information is handy, call your agent and discuss relevant items such as:
- If you have your home and auto insurance with the same company, are you getting a discount?
- Does my coverage take full advantage of the discounts offered by my company?
- I have more than one car; am I getting a credit?
- Does it make sense to change my deductibles?
- Do my cars really need physical damage coverage insurance? (An important consideration for older vehicles)
- Do lifestyle choices such as drinking or smoking affect my premium?
- My son or daughter is on the honor roll, does this affect my premium?
- Did you know that my car has special security features?
- Did you know that my son took Driver's Education?
- Does the company have accurate information on how often and how far I drive?
- Am I with a standard carrier or do I qualify for any preferred program?
- Is my vehicle charged an additional premium because of its type or performance?
- Do I qualify for a loss-free history or policy longevity discount?
Giving your agent accurate information helps you get the best available premium. Provide your agent with complete details about your driving history. It's important to clear about who drives your cars and how they're used. Finally, use your agent as a resource for handling errors about your account or which may be shown in your driver records.
To learn more about controlling your car insurance costs and how Gregory & Appel Insurance can help, please contact us below or at 317-634-7491.
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