As any motor vehicle driver will tell you, you must have a comprehensive auto insurance policy in the event of an accident. Whether it is another driver’s fault or your fault, insurance is the best and most effective way to ensure that any damage or injuries you or others may sustain as a result of the accident will be covered. Unfortunately, car insurance can be quite expensive, especially if you have had previous accidents or traffic violations on your record.
At the Thumann Agency, our agents will work to find you the best car insurance deal available utilizing all discounts we can find so that you can have peace of mind while you are driving. There are a variety of coverage options that will make sure you are covered in the event of any type of accident or incident on the road. These include collision coverage, comprehensive coverage, liability coverage, medical payments coverage, uninsured and underinsured motorist coverage, and rental reimbursement coverage. Our team will examine your particular car insurance needs and make sure you have the type of policy that will keep you and your family safe on the road.
8 Ways to Save on Car Insurance
No matter who you are or what your circumstances may be, everyone likes to save money whenever possible. Before you leap to invest in a carrier or decide to switch your insurance providers, be sure you are getting the best possible deal for the car insurance you need. Here are some of the top ways to make sure that the price you pay for your policy is worth the money and how you might be able to save some cash:
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Check out multiple insurance carriers - While it may take some effort on your part to check on different options from various carriers, the result will be worth the time since you may be able to save hundreds of dollars depending on the insurance provider you choose. Going with the first one you think of or one you have seen commercials for may not be the cheapest or best option.
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Ask for discount opportunities - Many of the leading insurance carriers offer discounts for a variety of different things such as a good driving record, setting up online payments and document dispersal, vehicle safety, bundling with other types of insurance (home, renters, boat, motorcycle), and many other things. Check with your carrier for discount options that apply to your specific situation.
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Only keep the insurance you need - If you have a very old car or it is worth less than your deductible, you may not need to maintain full coverage insurance such as comprehensive and collision. While this may save you money on your insurance, be sure to put money away just in case of an accident since your policy will not pay for repairs and you may need to find a new vehicle.
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Drive as safely as possible - The safer you drive, the better your driving record will be. For many insurance carriers, this translates into cheaper insurance rates. If you have not had an accident or a traffic violation for a long time, you may be eligible for a better rate.
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Know your rates before you buy the car - When you are considering buying a new (or new to you) car, be sure you are aware of what your insurance rates will be. The premiums for a sports car or one with a V6 or V8 engine will be more expensive than the rates for a moderately priced 4-cylinder engine.
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Increase your deductible - In some situations, you may be able to save money on collision and comprehensive coverage if you increase your deductible (the amount you pay if your car needs repairs after an accident). If your deductible is $250, your rates may decrease a bit if you raise the deductible to $500. Check with your carrier for specific details.
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Work on your credit score - In many states (except for California, Hawaii, and Massachusetts), your credit score is taken into account when an insurance rate is set. If you have a bad credit score, you may be considered at a higher risk of having an accident. This will negatively affect your insurance rate. Working to improve your credit score may help decrease the premiums you pay for insurance on your vehicles.
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Consider how much you drive - If you do not have a job that requires much driving or you are not the primary driver in your family, you may consider opting for a usage-based or pay-per-mile insurance policy. Ask your insurance carrier if they have such a policy and how it may apply to your situation.
When you are looking for the best possible car insurance rate, contact The Thumann Agency. Our agents can compare multiple insurance companies to help you find the best coverage that meets your budget.
Contact Our Dallas, TX, Insurance Specialists
At The Thumann Agency, we have the knowledge, skills, and experience to shop around for you and find the best rates with the right coverage that you need for your vehicle. You know how important it is to have car insurance to cover you in the event of an accident or other unexpected event, so do not get caught without the right coverage. Contact our professional insurance agents today at 972.991.9100 to find the car insurance coverage you need at a price you can afford.