1. Opt for a stable insurer...
While most insurance companies provide fair settlements, time is money too. Be sure the carrier you choose has a reputation for fast claim service.
2. Don't Over Insure...
Choose only the coverage you need. For example, if you car is over ten years old, maybe you should drop collision insurance.
3. Don't Underinsure...
Saving a few dollars up front could cost you a significant amount of money at a time of loss.
4. Select the right deductible...
By self insuring what you can afford, deductibles can save you significant premium dollars.
5. Choose the appropriate limits...
Awards.. Often they are astronomical. Consider liability coverage very carefully.
6. Excess Liability...
This is economical coverage that picks up where your auto and homeowners liability leaves off. It can save huge amounts in the event of a large judgment against you.
7. Ask about Discounts...
Some Insurers offer multiple car discounts and safe driver discount seven discounts based on driving experience.
8. The Comprehensive Coverage Question...
Without this option, you will not be paid for fire, theft, vandalism, or other losses of your control.
9. Uninsured Motorist Coverage...
This is an important dollar saver in the event you are the victim of a hit and run driver, or one without insurance.
10. Towing and Rental Reimbursement Coverage...
Following an accident without this coverage, you have to go out of pocket to tow your vehicle or rent a replacement car.
11. Collision Coverage...
If you have a car loan, this insurance is required, but you should protect your interests too in the event your car is badly damaged by having this coverage.
12. Most important..
Talk to Us.. We are independent insurance agents representing several companies that want to compete for your business. We shop for you. When you consult with us, well help you make the right decisions. Most important, at a time of loss, you can count on us to work with you for a fair settlement. We are here to assist you in any way to choose the right protection and policy for your insurance needs and budget.
