Nobody I know looks forward to buying auto insurance, in particular when they are paying too much.
Companies like State Farm, GEICO and Farmers Insurance promote their brand names with ad campaigns and it can be hard to separate fact from fiction and effectively compare rates to find the best deal.
If you currently have car insurance, you will most likely be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you is quite easy. But vehicle owners must learn how big insurance companies sell insurance online and apply this information to your search.
Don’t miss these discounts
Companies that sell car insurance don’t always publicize all available discounts in a way that’s easy to find, so we took the time to find both the well known as well as the least known auto insurance savings.
- Seat Belt Usage – Drivers who require all occupants to use their safety belts could save 15% on the medical payments or PIP coverage costs.
- More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company could earn a price break for each car.
- Driver Safety – Taking part in a driver safety course could cut 5% off your bill depending on where you live.
- Resident Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
- Student Driver Training – Have your child successfully complete driver’s ed class in high school.
- 55 and Retired – Mature drivers can possibly qualify for a discount up to 10% on Vista coverage.
- Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
- Federal Government Employee – Simply working for the federal government may qualify you for a discount on Vista coverage depending on your company.
It’s important to understand that some credits don’t apply the the whole policy. A few only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky.
Eagle Chrysler Vista insurance rates are influenced by…
An important part of buying insurance is that you know the factors that help determine the rates you pay for auto insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that will entitle you to better auto insurance rates.
The following are a partial list of the pieces used by your company to calculate prices.
- Your stress level may be raising your rates – Jobs such as judges, social workers and accountants have higher rates than average in part from stressful work requirements and long work days. On the flip side, jobs such as scientists, athletes and the unemployed get better rates on Vista coverage.
- Do you need those extra coverages? – There are a ton of additional coverages that you can get tricked into buying on your auto insurance policy. Coverages like vanishing deductibles, accidental death and additional equipment coverage are some examples. These may sound like a good investment at first, but now you might not need them so get rid of them and save.
- Equipment add-ons that lower auto insurance rates – Choosing a vehicle with a theft deterrent system can save you a little every year. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
- Younger drivers pay higher rates – Youthful drivers are known to be less responsible when driving so auto insurance rates are higher. If you’ve ever had to add a young driver to your policy can really hurt. More mature drivers tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
- Lower miles equals lower premium – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. The majority of insurers apply a rate based on their usage. Autos left parked in the garage qualify for better rates compared to those used for work or business. Make sure your auto insurance declarations sheet shows the correct usage for each vehicle. Incorrect usage on your Vista may be wasting your money.
- More claims means more premium – Auto insurance companies give cheaper rates to insureds who are claim-free. If you frequently file small claims, you can expect higher rates. Car insurance is designed for major claims that would cause financial hardship.
- Discounts for married couples – Getting married can get you a discount on your policy. It usually means you are more responsible it has been statistically shown that drivers who are married are more cautious.
The auto insurance bait and switch
Allstate and Progressive constantly bombard you with television and radio advertisements. All the companies say the same thing that you can save if you switch to them. How can each company make the same claim? It’s all in the numbers.
All the different companies have a preferred profile for the right customer that is profitable for them. For example, a driver they prefer might be profiled as between the ages of 40 and 55, has no tickets, and drives less than 7,500 miles a year. Any new insured that hits that “sweet spot” will qualify for the lowest rates and therefore will save when switching.
Drivers who don’t measure up to the requirements will be quoted a more expensive rate and this can result in the customer not buying. Company advertisements say “people who switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can claim big savings. This emphasizes why you absolutely need to compare many company’s rates. It’s just too difficult to predict which auto insurance company will fit your personal profile best.
A little work can save a LOT of money
Cost effective Eagle Chrysler Vista insurance can be purchased online as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who don’t offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
When shopping online for auto insurance, don’t be tempted to buy poor coverage just to save money. In many cases, an insured dropped collision coverage only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at the best price while still protecting your assets.
You just read some good ideas how to get a better price on Eagle Chrysler Vista insurance. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the lowest rates come from some of the lesser-known companies. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate and Progressive.
