How to Get Discounted Car Insurance

Video Transcript

"You're thinkin' about buying car insurance, and you're wonderin', hey, how do I get the most discounts? My name is James, with The Resurgence Group. We're a full service insurance agency, and we specialize in car insurance. The first thing that I would suggest is get with your local agent, or call up a carrier and explain to them what you're tryin' to accomplish. Remember, premium is based on limits, so the higher the limits the higher the premium. If you're looking to get the least amount of premium then you want to go with the lower limits. But you also might be eligible for discounts, and some of those discounts are like a homeowner's discount if you own a home, or military discount if you're in the military. Sometimes, even if you have excellent credit when they run what's called the C.L.U.E; that's your credit report, you can get an additional discount for that. So, there are many ways that you can save on your car insurance. But the first thing that I would do is sit down with your agent, explain exactly what you're looking for, and more importantly; the types of limits that you're willing to carry or not carry, because again, if you have the higher limit on your bodily, or your property, or your uninsured motorist, or your comp and collision the premium's going to be higher. If you're willing to take a little risk maybe go with the higher deductibles, and that will lower your premium. My name is James, with The Resurgence Group. We try and do this every day with our clients, and I'm sure that you're going to find an agent in your neighborhood that is willing to do the same thing; try and save you as much premium, and make sure that you have the correct insurance for that type of vehicle."