Choosing Better Insurance Coverage

Few things are more important than having the right insurance coverage. About ten years ago, I was involved in a near-fatal crash where I experienced traumatic physical and emotional injuries. It was really challenging for me to endure the hospital stay and subsequent physical rehabilitation, but with the help of my medical team and my insurance company, I was able to overcome the challenge and completely recover. This blog is all about the importance of choosing the right insurance plan so that you can get on with your life and enjoy those precious years with your family and your friends.

Looking At Insurance Discounts You May Not Realize Are Available

Insurance Blog

Most drivers know their auto insurance premiums are cheaper if they have a good driving record or if they are married and drive a small, economical car. However, you might qualify for some discounts that many drivers are unaware of. Check out some of the lesser-known discounts you might qualify for.

Get Rewarded For Being Part Of A Select Group

Some auto insurance companies will reward you with a discount if you belong to certain groups that require you take an intelligence test for being a member. Some companies also offer discounts to people that belong to certain fraternities and sororities as well. If you were in a fraternity or sorority in college, discuss with your agent if your company offers discounts for it.  Any 'smart' groups you may belong to might also win you an auto insurance discount.

Use Vehicle Monitoring With Black Boxes

If you would not mind having a black box monitor placed in your car, you could save on your insurance premiums. Block boxes are designed to monitor your driving habits and indicate if you are a safe driver. The box can also tell insurers about how many miles you drive on average each day. Your insurance agent can tell you if your company participates in any black box monitoring programs that can earn you premium discounts.

Qualify For Discounts Through Your Job

Some occupations are awarded discounts at some auto insurance companies. Firefighters, scientists, college professors and doctors can save on their car insurance because of the jobs they do every day. If you wonder about your occupation being one that is awarded discounts for insurance premiums, discussing it with your agent is a good idea.

Get Engaged To Be Married 

Married couples do get a discount on their car insurance. However, you can also receive discounts at some insurers if you are engaged to be married. Some insurers consider getting engaged as an indicator of you being responsible and making the choice to settle down. If you are planning to get engaged or have already, you might think about telling the great news to your auto insurance agent.

In today's economy, finding every way to save money is important. If you are looking in your budget for areas to save, starting with your car insurance is a good idea. Insurance agent services can help you find out if you are qualified for these discounts and more.


14 July 2016