Are you a victim of an overpriced car insurance policy? Believe me when I say there are a lot of people just like you who feel imprisoned by their car insurance policy. Many insurers vie for your insurance dollar, and it can be difficult to compare rates to find the absolute best rates possible.
Verify you’re getting all your discounts
Companies offering auto insurance do not list every available discount very clearly, so we break down some of the more common and the more hidden ways to save on car insurance. If you’re not getting every credit you qualify for, you’re paying more than you need to.
- Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance.
- Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
- Accident Free – Drivers with accident-free driving histories can save substantially when compared with frequent claim filers.
- Student Driver Training – Have your child successfully complete driver’s ed class if it’s offered in school.
- Organization Discounts – Affiliation with a qualifying organization may earn a discount on car insurance for 240SX coverage.
- Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for 240SX coverage than less cautious drivers.
- Multiple Vehicles – Insuring multiple vehicles on one policy could earn a price break for each car.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
- Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you may reduce your total bill.
Keep in mind that many deductions do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way.
To choose insurers who offer car insurance discounts, click this link.
When should I talk to an agent?
When choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can help discover if your insurance needs might need an agent’s assistance.
- Do I need roadside assistance coverage?
- Does coverage extend to a rental car in a foreign country?
- Do I need added coverage for expensive stereo equipment?
- How many claims can I have before being cancelled?
- Does my medical payments coverage pay my health insurance deductible?
- Does having multiple vehicles earn me a discount?
- Does my personal auto insurance policy cover using my vehicle for business use?
- Does medical payments coverage apply to all occupants?
- What companies insure drivers after a DUI or DWI?
- Can I still get insurance after a DUI?
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.
Smart shoppers get results
When trying to cut insurance costs, you should never buy poor coverage just to save money. There are too many instances where an insured cut liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.
We’ve covered a lot of information how to compare Nissan 240SX insurance prices online. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers may even find the lowest premiums are with some of the smallest insurance companies. Some small companies may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.
