Ask The Right Questions & Lower Your Premium

Be an Expert, Ask The Right Questions.

Does the Car Insurance Cover the Windshield?

It doesn't hurt to ask, however, most car insurance companies do not cover the windshield. It's easy for a rock on the highway to crack a windshield, this turns out to be a costly replace or long term beauty mark.

Are You Currently Paying Too Much?

If you feel you are paying too much, then you probably are. Be sure to know about all discounts available to you.

What is Not Covered, What is Covered?

You want to know exactly what you are getting, and what you need. A lot of insurance companies are not going to tell you everything, unless you ask the right questions. You definitely do not want any surprises if the time comes to file a claim and you are not covered for something you may have thought you were covered for.

How Much Can You Afford?

Do not try to get the works and live outside of your means. Always shop around the exact same policy to see who has the lowest premium for your exact needs.

What Coverage Do You Need?

If you drive an older car, typically you won't need full coverage, perhaps just liability, this alone can save hundreds on your car insurance. However; you should not cut back on bodily injury coverage, this can save you thousands if you're ever involved in an accident.

Are You A Safe Driver?

Take a look at your driving record, if you haven't had any traffic violations or accidents for a few years, you may qualify for a safe driver discount.

What Discounts Are Available to Me?

• Being a safe driver as described above.
• Safety features such as daytime running lights, airbags or anti-lock brakes.
• Combination Discount. Having more than one car on your policy.
• Defensive driving course for seniors or teens.
• Good student discount for college students who maintain a certain grade point average.
• Are you a member to any car clubs or groups like Triple A?
• Great theft protection is always worth something extra, an alarm or gps tracking.
• Retirement Discounts. If You Retire Young. You Will Be Driving less.
• College Students Who Are Far From Home?
• Loyalty Discounts. Been With Your Auto Insurance Provider a While!
• The Senior Discount if you're over 50.
• Low Mileage Discount if you incur low annual mileage.
• Rural Discounts. It's always cheaper to insure a vehicle in a rural area.
• Occupational Discounts to people with certain degrees, such as teachers.
• The Internet Discount. The ability to compare, and choose the lowest policy. Enter your zip code below to see how much you can save.

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