Tips for buying auto insurance

Simply stated, the multi-car /vehicle add-on discount is given to those drivers who insure their vehicles (a couple of) with one insurance provider. Those who insure their cars, vans, pickups, mobile homes, snowmobiles, trailers, and campers with the same company enjoy a discount of around 40 percent compared to those who insure their vehicles separately. The only exception to the rule is always that motorcycles, mopeds, dune buggies, and motor scooters are not classified as private passenger vehicles but rather as separate entities and must be insured making use of their own individual policies without getting the benefit of the 20 percent discount.

savings, money, insuranceI stumbled upon these shocking conditions within my first years as an insurance agent and also, since then have devoted myself exclusively to enhancing the forgotten and bewildered auto insurance policyholder. For instance, one case I handled concerning a twenty-two-year-old mother who had been paying $700 annually by being viewed as under twenty-five and unmarried. I used to be able to insure her on the cheap.

I had another case where a twenty-six- year-old married man had been billed for $980 a year simply because he had received one minor moving violation during his entire driving lifetime. After reviewing his situation, I used to be able to reduce his premium in two!

Then there is the case of a senior citizen who had a perfect record but was relayed through link to the homepage his representative that his automobile insurance company was no longer doing business in Ny. He was informed that he had to be put in the assigned risk pool, that doubled his premium. I was able to rescue the indegent man out of this fraudulent scheme and that he regained his original rate.

Even though one is lucky not to be victimized such as the preceding cases, at any given time, and in a geographic area, even under identical circumstances and with identical coverages, the automobile insurance rates among insurance firms can vary tremendously. As an example, if you check around for auto quotes from companies A, B, C, and D, you’ll be shocked to find out that although company A’s rate is $800 a year, company B’s $650 and company C’s $750, while company D has the lowest rate just a $600-a-year premium.