Check with the HR department where you work to see if they have employee discounted group rates for car insurance. Sometimes, employers and insurance companies will enter into an agreement to offer reduced group rates. There are also different levels of discounts, so make sure to ask which discounts you are eligible for. Length of employment, for example, may affect the rate you pay. If you employer doesn’t offer a special group plan, suggest that they possibly get one.
The greatest advice when it comes to car insurance is to keep your driving record clean. Getting in an accident will drastically increase your rates. When driving, be aware of your limitations and weaknesses and avoid any risky situations you can. For example, if you have a hard time seeing the road late at night, avoid driving during this time.
When you get in an accident, car insurance makes things much easier. However, it is important to select the proper coverage and insurance options to secure this financial assistance. Use the tips offered to get the coverage you need. Rates vary for all insurance companies. If you see a better rate at a different company but really don’t want to switch, speak with your agent to see what can be done to lower your current premium. They will probably cut you a deal so that you continue giving them your business. You do not need a lawyer unless you have a claim over $25K. You need to focus your efforts on working with the claims adjuster to come to a settlement agreement. Hiring an attorney is expensive and with the percentage they will take, it usually is not worth the headache.
Check into the rental car coverage of your insurance policy. If you do not have a rental car provision under your insurance policy, you will have to pay for one up front. This extra policy may be as high as 20 dollars every day. 00 per day while your car takes days or even weeks to repair.
When switching over to a different auto insurance company, it is important to not leave your current insurance policy before your new policy is in hand. Avoid being uninsured for any period of time, since an accident can happen anytime. There you will be able to look up the latest “consumer complaint ratio” for insurance companies in your area. These statistics compare the number of complaints issued by consumers against particular carriers.