Are you a victim of an underperforming, overpriced auto insurance policy? Believe me, you’re not alone.
Because there are so many choices, it’s nearly impossible to choose the most affordable insurer.
It’s a good idea to check auto insurance prices occasionally because insurance rates change frequently. Just because you found the best price for B9 Tribeca insurance a few years ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the best way to buy cheaper auto insurance.
Companies offer discounts so take them!
Insurance can be prohibitively expensive, but discounts can save money and there are some available to help bring down the price. Certain discounts will be applied when you purchase, but a few need to be asked about prior to receiving the credit.
- Low Mileage Discounts – Driving fewer miles can earn better rates on cars that stay parked.
- 55 and Retired – If you qualify as a senior citizen, you may receive a small decrease in premiums for B9 Tribeca insurance.
- Life Insurance Discount – Larger companies have a break if you buy a life insurance policy as well.
- Good Student Discount – Getting good grades can earn a discount of 20% or more. The discount lasts until age 25.
- E-sign – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up online.
- Auto/Home Discount – When you combine your home and auto insurance with the same company you may earn approximately 10% to 15%.
- Sign Early and Save – Select companies give a discount for signing up before your current expiration date. It can save you around 10%.
- Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
- Military Discounts – Being deployed with a military unit could mean lower rates.
Consumers should know that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, auto insurance companies aren’t that generous. Any qualifying discounts will reduce your overall premium however.
For a list of insurers who offer auto insurance discounts, follow this link.
Subaru B9 Tribeca insurance rates have many determining factors
It’s important that you understand some of the elements that go into determining the price you pay for auto insurance. Knowing what controls the rates you pay helps enable you to make changes that could result in better auto insurance rates.
- Increase deductibles and save – Your deductibles define the amount you are willing to pay before your auto insurance pays a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. A few examples of covered claims could be running into the backend of another car, collision with an animal, and burglary. The more you have to pay, the less your company will charge you for insurance for B9 Tribeca insurance.
- More miles equals more premium – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Double check that your auto insurance declarations sheet is rated on the correct usage for each vehicle. Incorrect usage on your B9 Tribeca can result in significantly higher rates.
- Policy add-ons can waste money – There are many extra coverages that you can get tricked into buying if you aren’t careful. Insurance for rental car reimbursement, accidental death and term life insurance may be wasting your money. They may seem good when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
- Your car’s features help determine rates – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft.
- Marriage pays dividends – Getting married can get you a discount on auto insurance. Having a spouse means you’re more mature and responsible and it’s statistically proven that being married results in fewer claims.
- Where you live can impact rates – Choosing to live in small towns and rural areas is a positive aspect when buying auto insurance. City drivers tend to have more traffic problems and a longer drive to work. Lower population translates into fewer accidents.
- An active claims history can cost you – Car insurance companies give lower rates to policyholders who file claims infrequently. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
What about my local agents?
Certain consumers would rather buy from a local agent. The best thing about price shopping on the web is you may find lower rates and still have an agent to talk to. And supporting local agencies is important especially in smaller communities.
For easy comparison, once you complete this simple form, the quote information gets sent to participating agents who will compete for your coverage. There is no reason to drive around as quotes are delivered straight to your inbox. Now that’s easy! You’ll get the best rates and an insurance agent to talk to.
If you want to contact a specific insurance agent in your state, click here.
Selecting an insurer needs to be determined by more than just the premium amount. Agents should be asked these questions:
- Does the agency provide any after hours assistance?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they feel the quoted coverages are adequate?
- Is working in the agency their full-time job?
- Who is covered by the car insurance policy?
- Do they carry Errors and Omissions coverage?
- If your car is in the repair shop, do you have coverage for a rental car?
After getting positive responses to all your questions in addition to an acceptable price estimate, chances are good that you have found an insurer that is a good match to insure your vehicles.
Auto insurance ads bend the truth
Auto insurance companies such as Allstate, GEICO and Progressive regularly use ads on television and other media. They all seem to say the same thing that you’ll save big if you move your coverage to them. How do they all make the same claim?
All companies can use profiling for the type of customer they prefer to insure. For example, a preferred risk might be profiled as over the age of 50, a clean driving record, and chooses high deductibles. A propective insured who fits that profile gets the lowest rates and as a result will probably cut their rates substantially.
Consumers who don’t measure up to these standards must pay higher rates which usually ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “everyone that quotes” save that kind of money. That is how companies can make those claims.
This illustrates why drivers should get quotes from several different companies. Because you never know the company that will provide you with the cheapest rates.
Smart consumers save more
In this article, we presented a lot of ways to save on Subaru B9 Tribeca insurance. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a lesser-known regional company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Progressive or GEICO.
When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where an insured dropped uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.
