subject: Simple Steps That Can Save You Money On Auto Insurance [print this page] Very few people relish the idea of sending in a big fat check to their auto insurance company every month. Except maybe the insurance agents, because it reminds them of how much commission they are making off the rest of us. Many times we forget about it, because we only have to pay them once a quarter. Then that bill comes just as we think we've got an extra fifty bucks for the weekend. Of course, the alternative is far worse. Getting into an accident without having any car insurance would be absolutely financially devastating. That's why we grudgingly pay our bills every month. Of course, there are some tricks that can save you some cash. Tricks that you are going to learn in this article.
When you buy insurance, it's typical to let the agent decide what you need, or simply just get the minimum required by law. While this will certainly keep you covered, it may not be the best policy to suit your needs. You wouldn't buy a car, and tell the salesman to just pick one out for you, would you? Of course not. Yet that's what most of us do with insurance. In order to save some money, make sure the policy is truly a match for your needs.
If you look over your policy, and see things that you don't need, then contact your insurance agent immediately. Change your policy to reflect only what you want, and not what your agent wants. This may take some time, as insurance policies can be written in some indecipherable form of legal English, but taking the time can save you some cash.
Getting discounts is essential, yet few people ever ask about them. There are discounts for safe drivers, membership in certain organizations or clubs, and good grades. Check with your agent and go over every possible discount you can to see which ones you qualify for.
Remember, you always have the power to change the policy, or even change companies. If your agent feels you are unhappy, they will do everything in their power to keep you as a customer. You represent a solid stream of income to them, and they want to protect that. So don't be shy about calling them up and asking for a cheaper rate, or a better policy which better fits your needs.
By taking things into your own hands, you really can save some money on your policy. It can be as simple as calling up your agent and demanding a cheaper rate.
by: Winston Takeda
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