Lower Your Auto Insurance Without Losing Important Coverage

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Avoiding Renter's Regret: Understanding Renter's Insurance Coverage

Moving into my first apartment brought along a whole series of new experiences. I didn't realize that the property insurance my landlord carried wouldn't cover my belongings. I was lucky to find out before anything happened, and I spent a lot of time researching the difference between renter's insurance and the property coverage for landlords. I built this site to share all of the information that I learned, including the insurance coverage best practices I picked up along the way. If you're new to renting and don't have any renter's insurance, I hope the information here helps you to see how it could benefit you and what you need to do to get it.


Lower Your Auto Insurance Without Losing Important Coverage

24 November 2015
 Categories: Insurance, Blog

If you are shopping for new car insurance because your current plan is too expensive, then you may want to consider contacting your agent to see if there are saving opportunities that you are missing out on. Chances are, there are ways that you can reduce the cost of your policy, without having to lose your coverage. Here's how:

Update Your Driving Needs:

Chances are, you haven't informed your provider with updates on your driving needs since purchasing your policy. Well, if you are not on the road as often as you were when you first bought your policy then you could likely see big savings by informing your provider, This is because you are less of a liability, seeing that you are not driving often, which reduces your chance of being in a car accident and receiving a traffic violation. Also, if you are working with a new employer that has a partnership with your insurance provider, you will definitely want to take advantage of this saving opportunity. So, if it has been awhile since updating your profile with your insurance provider, be sure to do it as soon as possible. 

Add Other Coverages To Your Account:

Car insurance may not be the only policy that you own, as you may also own policies for your home insurance or renters insurance. Well, rather than have these policies owned by other providers, you may want to consider buying your other coverage needs from one provider. By combining your policies with the same insurer, you can obtain a multiple-coverage discount, which is additional savings that you wouldn't have otherwise seen.

Avoid Unneeded Services and Coverages:

If you are paying for membership benefits or special coverages like roadside assistance and don't utilize these benefits or coverages then you may want to consider removing them from your policy. This will help you save on a monthly basis, which can add up tremendously over the years. Though this may mean that you are losing out on some great benefits, the savings that you could potentially receive may be a better option for you.

Taking advantage of these tips won't only lower your insurance rate, but will eliminate coverage that you do not need to rely on. So, rather than switch providers or continue to pay a high premium for your insurance policy, definitely be sure to reap these saving opportunities so you can protect yourself and car without hurting your finances or avoiding coverage that you need. For more information, visit Hamsher Insurance.