Insurance Tips: Steps to Buying Auto Insurance

Simply stated, the multi-car /vehicle add-on discount emerges to those drivers who insure their vehicles (a couple of) with one insurance carrier. Those who insure their cars, vans, trucks, mobile homes, snowmobiles, trailers, and campers with the exact same company have a discount of approximately 40 percent than others who insure their vehicles separately. The only real exception to this rule is always that motorcycles, mopeds, dune buggies, and motor scooters aren’t classified as private passenger vehicles but alternatively as separate entities and must be insured making use of their own individual policies without getting the benefit of the 20 percent discount.

savings, money, insuranceI stumbled upon these shocking conditions during my first years being an insurance agent and also since then have devoted myself exclusively to enhancing the forgotten and bewildered auto insurance policyholder. As an example, one case I handled concerning a twenty-two-year-old mother who had been paying $700 per year by being considered under twenty-five and unmarried. I was able to insure her at a lower price.

I had another case when a twenty-six- year-old married man was being billed for $980 annually simply because he previously received one minor moving violation in his entire driving lifetime. After reviewing his situation, I was able to reduce his premium in two!

Then there was the case of the senior citizen who stood a perfect driving record but was told through find a replacement his representative that his automobile insurance company wasn’t any longer doing business in The big apple. He was informed that he had to be put into the assigned risk pool, that doubled his premium. I used to be able to rescue poor people man out of this fraudulent scheme and the man regained his original rate.

Even when one is fortunate enough not to be victimized as in the preceding cases, at any moment, and in a geographic area, even under identical circumstances and with identical coverages, the car insurance rates among insurance firms can vary tremendously. As an example, if you check around for auto quotes from companies A, B, C, and D, you’ll be shocked to learn that although company A’s minute rates are $800 a year, company B’s $650 and company C’s $750, while company D gets the lowest rate with only a $600-a-year premium.

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