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Reviewing Your Auto Insurance Orange County Renewal

Reviewing Your Auto Insurance Orange County Renewal

Reviewing Your Auto Insurance Orange County Renewal


If you are coming up on your auto insurance renewal, it is important to review your policy renewal for inaccuracies. Studies have shown at least 30 percent of renewal auto policies have inaccurate information, which causes higher premiums to be charged to the policyholder. If reviewing your auto insurance Orange County policy could save you as much as 30 percent on your auto insurance premiums, it is reasonable to say that setting aside 30 minutes of your life to review your policy is well worth it. Know some of the most common inaccuracies found on Orange County insurance policies, and be sure you are being charged the right premiums.

Vehicle Usage

Vehicle Usage is a rating factor that can either increase or decrease your premiums if you are being rated incorrectly. There are three different categories in vehicle usage: pleasure, commute and business. Pleasure is the least expensive rating factor and is designated for vehicles that are not driven to work or to school. Commute is designated for vehicles that are driven to one office site or to school. If you drive your children to and from school on a daily basis, you would be rated as a commuter even if you are not commuting to work. Business use is the most expensive rating because it is designated for individuals who drive to more than one location for work or business. If you have changed jobs, lost your job or retired, chances are your vehicles are not being rated properly.Reviewing Your Auto Insurance Orange County Renewal


Vehicle Mileage

Vehicle mileage is another important rating factor that you should be aware of when reviewing your auto insurance Orange County renewal. Most insurance companies will automatically rate driver the average mileage on their vehicles. If you drive much less than the standard 12,000 miles per year, you may want to review how many miles you are being rated for. Premiums are influenced by the amount of miles you drive as policyholders who drive more miles have a higher chance of being involved in an accident. If you have moved, changed jobs, lost your job, or retired, chances are you are driving less than you did last year. Estimate your new annual mileage and submit supporting documentation on your odometer reading to lower your premiums and update your policy.

While these are only two of the many rating factors that insurance providers and underwriters consider when charging premiums, these are the two factors that are most commonly out of date. By taking a few minutes to review these rating factors along with the safety features and alarm discounts on your vehicle, you will lower your premiums and your out-of-pocket expenses for the upcoming year. Consult your agent for a detailed renewal review.
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Reviewing Your Auto Insurance Orange County Renewal