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Shop Around BEFORE You Buy SUV Insurance
Since
prices vary widely from company to company, it can really pay to
shop around. Get at least three price quotes. You can call companies directly or
access information on the Internet. Your state insurance department may also
provide comparisons of prices charged by major insurers.
Get quotes from different types of insurance
companies. Some sell through their own agents. These agencies have the same name
as the insurance company. Some sell through independent agents who offer
policies from several insurance companies. Others do not use agents. They sell
directly to consumers over the phone or via the Internet.
Don't shop price alone. Ask friends and
relatives for their recommendations. Contact your state insurance department to
find out whether they provide information on consumer complaints by company.
Pick an agent or company representative that takes the time to answer your
questions. You can visit the Hometown
Quotes Web Site to receive free quotes and compare the costs different insurers charge for the same coverage.
Ask for Higher Deductibles (If You Can Afford
It)
Deductibles are what you pay before your
insurance policy kicks in. By requesting higher deductibles, you can lower your
costs substantially. For example, increasing your deductible from $200 to $500
could reduce your collision and comprehensive coverage cost by 15 to 30 percent.
Going to a $1,000 deductible can save you 40 percent or more. Before choosing a
higher deductible, be sure you have enough money set aside to pay it if you have
a claim.
Buy your Homeowners (or Renters) and Auto
Coverage from the Same Insurer If Possible
Many insurers will give you a break if you buy
two or more types of insurance. You may also get a reduction if you have more
than one vehicle insured with the same company. Some insurers reduce the rates
for long-time customers. But it still makes sense to shop around! You may save
money buying from different insurance companies, compared with a multi-policy
discount.
Companies offer discounts to policyholders who have not had any accidents or
moving violations for a number of years. You may also get a discount if you take
a defensive driving course. If there is a young driver on the policy who is a
good student, has taken a drivers education course or is at a college out of the
area without a car, you may also qualify for a lower rate.
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