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Ways to save

The top tips for saving on your car insurance

At Full Circle, we’re all about trying to save our customers money. It’s the right thing to do, and it creates an unparalleled experience for our customers, who are getting the insurance products they need. Our research-packed library has the right information to make you an educated consumer of insurance just click on our “Important info.” Link.

 

Tips for saving on your auto insurance.

1. MAINTAIN A GOOD DRIVING RECORD
Companies give safe drivers (i.e., free of at-fault accidents
or violations) lower rates for automobile insurance. Each
company has different guidelines to determine what price an
individual will be charged.

2. COMPARISON SHOP
It pays to shop around before buying insurance, since prices
can differ among companies. In addition to cost, you should
also carefully consider other factors such as service, dependability and the financial condition of the insurance company. Fortunately here at Full Circle we have many companies to choose from so, we can do most of the shopping for you, which will save you both time and money.

3. GIVE COMPLETE, CORRECT INFORMATION
When you call for a quote or fill out an application, give
complete and correct information. Since your premium quote
will be based on this information, it is very important that your
information be as accurate and complete as possible.

4. ASK ABOUT DISCOUNTS
Ask your agent or company if you are eligible for any other discounts.

Here are some discounts that may be offered:
• Two or more cars on a policy-Multi-Car
• Participation in driver education courses (Defensive Driving)
• Good Student & Driver Training (drivers under age 25)
• Mature driver (between 25 {30 single male) and 64 years of age)
• Airbags or other safety equipment
• Anti-theft devices
• Senior citizen discount (age 65 & older)

5. VERIFY YOUR INFORMATION, POLICY

When you receive your insurance policy, check that the
information used to determine your premium is correct. In
particular, you should verify that:
• Your mailing and/or home address is correct
• Each vehicle is properly classified
• All discounts to which you are entitled are applied
• Your vehicle(s) make and model are correct
• All drivers’ age/birth date(s) are correct

6. CONSIDER REVISING COVERAGE, DEDUCTIBLES
You may reduce your auto insurance costs by raising the
deductibles on physical damage (collision and comprehensive) coverages. Be sure to review your current deductibles to determine whether you can afford to absorb a larger portion of your loss in the event of an accident.  Also, consider lowering or eliminating physical damage
coverages on older vehicles — unless a lienholder, such as a bank, requires it.

7. CONSIDER COST OF INSURANCE BEFORE BUYING A CAR
Insurance companies usually charge higher premiums for
cars that cost more to repair or offer occupants less
protection from accidents. Companies may also charge
more for cars that tend to cause more damage when
involved in accidents, such as certain sport utility vehicles.

8. REGULARLY REVIEW YOUR POLICY;

UPDATE ACCORDINGLY
Regularly review your policy to make sure the basis for
your premium is as accurate as possible. Here are some
factors that can affect your premium:
• Adding or removing a vehicle from your policy
• Replacing an older vehicle with a newer one
• Adding or removing a driver
• Increasing or decreasing the number of miles driven
each year

9. GET MORE INFORMATION
For more in-depth information, order a copy of the
“Consumer’s Guide to Auto Insurance” from the NAIC at
www.naic.org. If you believe you have been treated
unfairly in shopping for auto insurance or in getting a
claim paid, please contact your state insurance department.
You can link to your insurance department’s Web site by
visiting www.naic.org. Click on “State Insurance Web
Sites,” then click on your state.

10. TAKE A DEFENSIVE DRIVING COURSE

Online defensive driving courses, such as the one offered at DefensiveDriving.com are a quick way to earn both an insurance discount and improve your ability on the road. These classes are affordable and can pay dividends in the form of savings locked in for three years from course completion.

SUGGESTED COURSES:

Click the logo to visit each course.

defensivedriving

 

 

 

aaadriving

 

 

teensmart