Is your auto insurance policy working for or against you? If you are the kind of person who laments at the amount of premiums you pay for insuring your vehicle then take time to check the particulars of your policy. You can stop paying for hefty policies with minimal effort. Take a look at your bill and find out from the tips given below ways in which you can save on auto insurance, Ann Arbor MI.
How much is your deductible? If this amount is too low then you can increase it as a way of saving. By increasing the deductible by at least $200, you can end up paying 15% less for collision and comprehensive coverage.
Do you have a comprehensive medical coverage? If so, then only include the personal injury protection that is a requirement in most states. Duplicating medical coverage in your auto insurance policy will only cost more especially if you are already paying for a comprehensive health and disability insurance.
Do you want to get a new car? If you do, then always look at the risk factors, which will ultimately affect the cost of auto insurance. For instance, it will be more expensive to insure a car, which is popular with the thieves or one with a poor safety record. If the car will be expensive to repair then the insurance will obviously, cost more.
Do you qualify for low mileage discounts? There are so many auto insurers who offer great discounts to people who drive on a lower than average miles every year. Find out from your insurer if you are eligible for such discounts and you will end up saving a lot on auto insurance, Ann Arbor MI.
You can also enjoy discounts on your insurance policy if you have recently upgraded the car’s safety features. Some safety gear such as air bags, anti-lock brakes, anti theft devices, daytime running lights and automatic seat can give you additional savings.
The other way you can get discounts from your car insurer is by insuring your teenager’s car on a similar policy. Insurers offer discounts to teens with good grades or those who have attended approved drivers education courses and passed well. In fact, simply by combining different policies with one carrier, you can end up reducing your car premium considerably.
You can even have your premiums reduced if you are older than 50, have had no accidents or if you are a loyal customer. The bottom line is that you need to review the auto insurance policy from time to time just to make sure that you are paying a low overall amount. There are so many other discounts offered by auto insurers. All you have to do is ask.
Many people have chosen the Finn’s JM&J Insurance Agency, Inc for their auto insurance because of the competitive rates. It is always good to check your Auto Insurance in Ann Arbor MI policy from time to time. As you do this, you can use the tips given above to save on premiums.
