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1. Opt for a stable
insurer.... While most insurers 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 your car is five years old maybe you should
drop collision coverage.
3. Don't under-insure...
Saving a few dollars up front could cost you
significantly at the 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... Don't underestimate
jury awards often they are astronomical. Consider
your liability coverage 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 multi-car discounts and
safe driver discounts even discounts based on
years of experience and retirement status.
8. The Comprehensive
coverage question... Without this option,
you will not be paid for fire, theft or other
loses out 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 without insurance.
10. Towing and
replacement vehicles... Following an accident
without this coverage you might have to go out
of pocket to move your car or rent a replacement
vehicle.
11. Collision
coverage... If you have a car loan, this coverage
is required but you should protect your interests
too in the event your car is badly damaged by
unknown persons.
12. MOST IMPORTANT...
Talk to us. We're Independent
agents representing several companies that
want to compete for your home and auto insurance.
We shop for you. When you consult with us we'll
help you make all of the right choices for your
auto insurance. Most important, at the time of
loss, we represent your interests, not those of
the insurance company. In the event you have a
claim you can count on us to work with you for
a fast, fair settlement.
Click
Here And Let Us Provide A Free No Obligation Estimate!
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