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Discount Auto Insurance - Not All It's Cracked Up to Be
from:For several years I have had discount auto insurance through one
of the most recognized auto insurance companies advertised on
television. It wasn't the caveman or the lizard that enticed me
into going with that insurance provider. No, it was actually the
fact that I had been with another insurance company who kept
raising my rates a little bit each year.
Finally I got fed up and decided to search around for cheaper
auto insurance. Surprise! Because I did not have perfect credit
at the time, this discount auto insurance company was the only
one that didn't penalize me with higher rates.
Okay, so I got cheap auto insurance. The problem is that after
being with this auto insurance company for over three years, in
the last few months I've begun to think that I'm being charged
too much. After all, I'm not in a risky age category, I've never
had an accident, and my car is three years old and not one of
those most likely to be stolen. So, why is my insurance so high?
This time I decided to do my research about shopping for auto
insurance, by asking for some advice first. Here's what I
learned:
1. Several of the cheaper insurance companies are great when you
have your first car and just want bare-bones coverage, but to
get full coverage they tend to charge more than the premium auto
insurance providers.
2. Often the actual coverage available thru the discount auto
insurance companies is actually discount coverage...not as good
as that offered by full-service insurance companies.
Unfortunately, you often only discover this after an accident.
3. Having more than one type of insurance policy with the same
company, can mean an automatic discount. Called "bundling",
combining auto insurance with homeowners or renter's insurance
will often result in lower premium payments.
4. Since insurance companies tend to raise the rates during
subsequent policy renewals, keep an eye on your rates. Don't
hesitate to shop around for another insurance provider,
especially if the savings will be at least $100 per year.
5. There is an advantage to having a long-term relationship with
a local insurance agent when it comes to filing a claim.
Continually changing insurance companies does not build a
relationship.
I listened to all of the advice and since I was buying a new
home, called my current insurance provider to see if I could
save money by having both auto and homeowner's coverage thru
them. They gave me a quote for the homeowner's and told me that
there would not be any discount for having more than one type of
policy with them.
Disappointed, but determined to find a lower rate, I called the
insurance company I had been with before changing to the
discount auto insurance. The quote I received for the
homeowner's coverage was considerably lower than I'd received
from my current provider. Plus the car insurance premium will be
much lower than what I'm currently being paying each month.
Needless to say, I'm switching insurance companies the minute
the sale closes on the house. Another plus...the new insurance
provider has a local office with an agent that already knows me
personally; a definite win-win.
Discount auto insurance may not always provide the best rates or
the best coverage. If you are not happy with your current
provider go ahead and look for the type of coverage and premium
payment that suits you. Remember: It's not a crime to shop
around...in fact, it's your right.
About the author:
C.L. Hendricks has been a Jill-of-all-trades and become an expert in some. She writes for
http://www.car-accident-advice.com, as well as several other websites on a variety of topics.
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