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Step 1
Talk to your agent about multi-policy discounts. Most companies want to write your home and auto coverage and will provide significant discounts for packaging them together.
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Step 2
Tickets and accidents can severely increase your insurance premium ... remember to be a safe and courteous driver.
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Step 3
Be aware of WHAT you are driving .... sporty and classic vehicles as well as large trucks can be higher to insure. Contact you agent for a quote before purchasing a new vehicle.
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Step 4
Raise your deductible and drop any unnecessary coverages. (As a general rule, any car worth less than $1,000 should not carry comprehensive and collision coverage.)
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Step 5
Check your credit. Many insurance companies are now using an insurance score to evaluate your premium. Your credit score can have a huge impact on your insurance score.
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Step 6
And finally, shop with an independent agent. They will have access to more carriers and can quote you many companies at the same time.
Comments
psgeek716 said
on 7/5/2008 Thank you for the helpful tips. I was able to find some useful ideas I wasn't aware of
aaatexas said
on 5/31/2008 A great way to save on your car insurance is to switch to a member-owned company which will allow you to get lower rates. Once a member of AAA Texas you are eligible for their insurance products.
If you contact me for a new membership, I will:
-waive $20 admission fee on AAA membership
-include a FREE spouse/associate member (an additional $26 savings!)
-send you a free gift of your choice (aaa travel bag, coffee mug, survival kit)
-provide a FREE, no obligation, comprehensive insurance review (average AAA member saves over $350 a year on their car insurance!)
My contact information is below:
Paula Harold
AAA Texas
harold.paula@aaa-texas.com
1-800-222-8586 ext.5078
I'd love to answer any questions about the membership or insurance in general. Just send me an email!
georgiarealtor said
on 5/28/2008 Great article, I am thinking about changing my insurance company now.
AutumnLeavz said
on 5/26/2008 Thanks so much for sharing these tips! Excellent!