Insurance Coverage for Our Family

Auto Insurance Savings

3 November 2020

Christian Byrd

Many households look for creative ways to lower their monthly expenses. Transportation is a mandatory area of the budget that cannot always be eliminated for people who do not live in city centers with reliable public transportation. Lowering costs as much as possible can be done with a bit of effort. Here are a few tips for saving on a new auto insurance policy. 

It is easy to get comfortable in an auto policy that has been beneficial in the past. Policies that are on automatic draft are often not thought about until there is an issue with the coverage. Shopping around for a new policy does not have to take up a great deal of time. Obtaining a quote for a new auto insurance policy is easy to do online. Including truthful statements about how the vehicle is used is important. Mentioning an accurate number of miles that the vehicle is driven for professional commuting purposes is important. There are discounts available for driving less miles on a regular basis to work. People who work at home often will receive an additional discount for telecommuting. Carefully go over coverages to see if any can be reduced or eliminated. If a vehicle has recently been paid off, consider switching to liability coverage or reducing roadside emergency services. 

Once a policy is received always call at least once a year for the possibility of lowering the rate. Discounts are often given for agreeing to regularly use a device or an app that records driving activities. The data is used to determine if safe driving practices are used on a regular basis. Safe driver discounts also apply to policyholders that take defensive driving classes. Some areas offer these classes in person on weekends and evenings. Online defensive driving classes are usually cheaper and, upon completion, a discount is given. The insurance company usually requires proof of completion for the course. Always inquire about the length of time that the discount is valid. 

Many households have combined due to complications with the pandemic. People related by blood or marriage that share vehicles can receive discounts for being on a family policy. If paying the insurance policy in full is not an option, see if there is a discount for signing up for automatic monthly payments. Always inquire about discounts for students, military, retirees, and belonging on academic or other associations alumi programs. Use these tips when purchasing a new auto insurance policy. Contact a company, such as Kesner Insurance Agency Inc, for more information.

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