|
Independent
Auto Insurance (Part II of II)
When dealing with an
independent auto insurance agent, it is
best to think of them as the same as a
normal auto insurance agent but better.
They don’t represent just one company, so
they can not only get you the best deal,
but they are looking at you to see which
company you will fit best with as well.
When you contact an independent car
insurance agent, you will go over many of
the same factors that you would with a
regular car insurance agent. Naturally,
the first thing that will happen is that
you will discuss the type of car you drive
– make and model, the year, and the VIN
number. The next thing you want to discuss
with them is the type of lifestyle that
you have.
How you live is important to decide the
types of rate that auto insurance carriers
will give you. If you have moved, gotten
married, had a birthday, had a child, or
any other kind of major milestone in your
life, let your agent know because these
things could save you more money.
You will discuss all will be driving on
your policy. It doesn’t necessarily mean a
death sentence just because you have a
teenager on your policy – your agent will
be able to find you deals and how to save
you money. Things like having them take a
defensive driving course, or getting good
grades in school – these things will
lessen the premium that will have to be
paid on the auto insurance.
The year of your car is important because
there are things that you may not want to
get if your car is very old. On newer cars
you need a higher amount of physical
damage coverage, but on an older one,
unless it is a restored classic, you won’t
want that much coverage or maybe none at
all. You can also consider raising your
deductible no matter how old your car is
for that will save you money as well.
Finally, any toys that you have, such as
motorcycles, boats, etc. may be eligible
to be covered under the same company that
is giving you your car insurance. Check it
out with your agent and possibly save some
money there as well.
Back to
June 07
Archives
|
