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Shedding Light On Car Insurance Savings
It can be easier than you think
to put the brakes on high auto insurance rates – as an independent agency, Todd Shimko
Insurance Agency can help! We can review
your policy and possibly help you find a variety of illuminating ways to save
money. Here are some things you may want to consider:
• Ask us to check several
companies’ rates. This is the single most important thing you can do to get the
best possible rate—and we can do it for you
quickly and easily. The difference between the highest and lowest rate
available to you from different companies could vary by hundreds of dollars.
• Reduce or drop physical damage
coverage on an older car. Depending on your car’s age and where you live,
comprehensive and collision coverage may not be worth keeping. We can give you
advice on whether it makes sense to reduce or drop this coverage altogether.
• Raise your deductible.
According to the Insurance Information Institute, raising your deductible from
$200 to $500 could reduce your collision and comprehensive cost by 15 to 30
percent. In addition, because the average driver files a collision claim only
once every ten years, odds are that over the lifetime of your car, a higher deductible
will save you money. We can show you how raising your deductible will lower
your premium.
• Look for discounts. Many
insurance companies reduce premiums for certain driver traits or car features.
For example: being a homeowner for more than three years, nonsmoker,
nondrinker, students with good grades, senior citizens who have taken an
approved defensive driving course, people who only drive for pleasure, cars
kept in garages, antilock brakes, antitheft devices, air bags, etc. Ask us to
check.
• Don’t assume having your car
and home insured by the same company is the best option. Because auto insurance
rates vary so much from company to company, it may make sense for you to have
your car and home insured by separate companies. Let’s talk about it.
To learn more about all an
independent agency can offer you, call Todd Shimko Insurance Agency.
http://www.palowcostinsurance.com
Shimko Insurance is licensed to conduct business in the
state of
