If they have had to file a claim with the insurer, they could tell you in person about their customer service experience. It is also a good idea to get referrals from family members, colleagues and other people whom you trust, Salvatore says. In addition to speaking to your current agent or insurance company about your options, you can look online to research potential companies and obtain quotes. It may make more financial sense to stay where you are, or switch both policies to a new provider that will give you a rate reduction for both. Here's a list of common insurance company discounts, according to the NAIC: Having safety devices in the car, such as anti-theft features Having a good driving record Driving a low number of miles a year Having multiple cars on the same policy Being a student who gets good grades Insuring both your home and car with the same provider While you're reviewing discounts, be aware that switching to a new provider could affect discounts you already have with other types of insurance.įor example, if you're already getting a homeowner's and car-policy rate reduction from your current provider, and you then move your car insurance to a different company, you may lose the discount you receive for homeowner's insurance. You may be eligible to receive discounts you're not getting. Even if you're not happy with your existing policy (if you think the premiums are too expensive, for example), ask if there are ways to lower your rate for the same amount of coverage, says Salvatore. A good first call is to your current insurance agent or the insurance company itself (some insurers, such as Geico and Progressive don't work with agents). Once you're familiar with your current policy, it's time to look for alternatives.
When you're more informed about your current coverage, it can help you become a smarter shopper. 'The declarations page describes the insurance you have, including the amount of coverage as well as coverage limits, and the amount of your deductible,' he says. An easy way to do this is to study your current policy's declarations page, says Vaughn Graham, president of Rich and Cartmill insurance company in Tulsa, Oklahoma. Knowing what you currently have will make it easier to create apples-to-apples comparisons with the rates you receive from different insurers. Take a look at your existing auto insurance policy.
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You'll also likely be asked about the number of drivers on the policy, your driver license information, and the insurance coverage and limits you'd like to purchase. Do you have a newer model car? Do you commute several miles each week to work? Do you have recent traffic tickets?Īccording to the National Association of Insurance Commissioners (NAIC), your potential new insurance company may ask you all of these questions as part of the underwriting process. Take note of your driving circumstances as well as the needs of other drivers in your household. Here are four key steps to take when it comes to switching car insurance: 1. But if you're not sure, it's a good opportunity to shop around,' she says. 'If the answer is 'yes, yes and yes,' then stay with them. Jeanne Salvatore, senior vice president at the Insurance Information Institute in New York, suggests asking yourself if you're happy with the cost, coverage and service of your current policy each time it comes up for renewal. But you have to make sure you take the appropriate steps to switch, because you don't want to have a lapse in coverage.
Edirige satare latest,sinhala katha,sinhala paththara,lanka fun picture,lanka.Ĭould you save hundreds of dollars by switching your car insurance? It is a question worth asking yourself at least once a year.īy doing a little research now, you may be able to find a comparable insurance plan at a better rate with another company, and save money.
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